Michigan
Umbrella Insurance
Made Simple
Extra liability protection when the unexpected gets bigger.
Your home and auto policies provide important liability protection, but some claims can exceed those limits. Umbrella insurance can provide additional liability coverage over eligible underlying policies—including home, auto, motorcycles, watercraft, and other recreational vehicles—to help protect your assets and financial future.
Understanding Your Umbrella Coverage
Umbrella insurance provides an additional layer of liability protection above certain underlying policies. If a covered liability claim exceeds the applicable limits of your underlying insurance, your umbrella policy may provide additional protection up to its policy limits.
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Provides additional liability protection above eligible homeowners, condo, renters, or other qualifying property policies when a covered claim exceeds the underlying policy limit.
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Provides additional liability protection above an eligible auto policy when a covered claim exceeds the underlying liability limit.
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Depending on the policy, umbrella coverage may extend additional liability protection over eligible motorcycles, watercraft, and certain recreational vehicles when required underlying coverage is maintained.
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Personal umbrella insurance provides an additional layer of personal liability protection that can help protect your assets and financial future when a covered liability claim exceeds the limits of an eligible underlying policy. Coverage is subject to the umbrella policy’s terms, limits, and exclusions.
Getting Your Umbrella Quote Is Simple
STEP 1
Review Your Current Coverage
Tell us about your current home, auto, and other eligible personal insurance policies so we can review your existing liability limits and determine your umbrella coverage options.
STEP 2
Review Your Options
We review your existing liability limits, eligible underlying policies, and coverage needs to identify personal umbrella options that fit your situation.
STEP 3
Compare & Select Your Coverages
We explain the available umbrella limits, how the coverage works with your underlying policies, and the cost so you can select the level of personal liability protection that fits your needs.
STEP 4
Start Your Coverage
Once you're ready, we help finalize your umbrella policy, confirm the effective date and coverage limits, and make sure the required underlying policies are properly in place.