How much of your financial life is actually at risk from a single judgment? Enter your assets and income — we'll show you what Minnesota law protects, what it doesn't, and how much umbrella coverage closes the gap.
Based on Minnesota bankruptcy exemptions — Minn. Stat. §§ 510.02, 550.37, 571.922
Your profile
Current liability coverage
Your financial exposure
Uninsured & underinsured motorist protection
In Minnesota, roughly 1 in 5 drivers carries inadequate insurance. If a driver with a $50,000 auto policy causes a serious accident that costs $600,000 to resolve, their policy pays $50,000 and stops. Without umbrella UM/UIM coverage, the remaining $550,000 comes out of your own pocket — even though you did nothing wrong.
Umbrella UM/UIM extends your uninsured and underinsured motorist protection up to your full umbrella limit. It covers you and your family members in the same vehicle. The person most likely to threaten your family's financial security isn't necessarily someone you sue — it may be the driver who hits you and has nothing to collect from. That's the exposure most people never consider until it's too late.
What Minnesota law protects from creditors
What umbrella coverage costs in Minnesota
Umbrella policies sit on top of your auto and home liability — and can include UM/UIM protection. For most households, the annual cost is modest relative to the protection.
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We'll review your numbers and reach out with umbrella options — including UM/UIM coverage — from the carriers we work with. No obligation, no pressure.
Questions? Call (952) 392-9508
This calculator provides educational estimates only and is not legal or financial advice. Actual exposure and coverage needs vary by situation. Minnesota exemptions per Minn. Stat. §§ 510.02, 550.37, 571.922. Options Insurance — 102 N Jonathan Blvd #210, Chaska, MN 55318 — (952) 392-9508
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