Umbrella Insurance

Start your insurance journey with JRL Agency

You’ve worked hard to build your life, now make sure it’s fully protected. Umbrella insurance from JRL Agency provides additional liability coverage beyond your standard auto or home policy limits. It’s an extra layer of financial protection designed to help safeguard your assets and future earnings.

Whether you're in Fergus Falls, Ottertail, Battle Lake, or anywhere across Minnesota or North Dakota, our team is here to help you understand if umbrella coverage is the right fit for your needs.

What Is Umbrella Insurance?

Umbrella insurance is a personal liability policy that goes beyond the coverage provided by your auto, homeowners, or other primary insurance policies. It can help protect you if you’re held responsible for damages that exceed those policy limits, such as:

  • Major auto accidents with significant injuries or property damage
  • Accidents involving guests at your home
  • Libel, slander, or defamation claims
  • Incidents involving rental properties you own

Why Consider Umbrella Coverage?

  • Helps protect your personal savings, home, and future income
  • Affordable coverage with high limits
  • Coverage applies across multiple policy types
  • Peace of mind for unexpected events or lawsuits