Personal / Umbrella

Michigan Umbrella Insurance

A personal umbrella adds a million dollars or more of liability protection on top of your auto and home policies — usually for a couple hundred dollars a year. It's the coverage that protects your savings, home, and future income if you're ever sued for more than your base policies cover.

What we do for personal umbrella insurance clients

• Extra liability where it counts — $1M–$5M over your auto, home, boat, and rental-property liability.
• Protects your assets — a serious at-fault accident can exceed your auto limits fast — the umbrella covers the gap so your assets aren't exposed.
• Surprisingly affordable — often $150–$300/year for $1M — one of the best value coverages in insurance.
• Bundled and shopped — we coordinate it with your underlying policies and shop it for the best rate.

Who needs an umbrella

Homeowners with savings or equity, families with teen drivers, boat and recreational-vehicle owners, landlords, anyone with a pool or dog, and anyone whose net worth exceeds their current liability limits. If a lawsuit could reach your assets, you need one.

What a personal umbrella covers

• Auto liability above your policy — the big at-fault claim that exceeds your auto limits.
• Home & premises liability — injuries on your property, including pools and dogs.
• Landlord/rental liability — claims tied to rental property you own.
• Personal injury — libel, slander, and certain personal-injury claims.
• Legal defense — defense costs for covered claims, on top of the limit.

Common questions

What does umbrella insurance cover?

It adds liability limits over your auto, home, and other personal policies. If an at-fault accident or lawsuit exceeds your underlying limits, the umbrella pays the rest — up to $1M or more — plus legal defense. It doesn't cover your own property or injuries.

How much does umbrella insurance cost in Michigan?

Typically $150–$300 a year for $1 million in coverage, with each additional million costing less. It's one of the highest-value coverages available because it protects everything you own for a small premium.

Who really needs umbrella insurance?

Anyone whose assets or future income exceed their current liability limits — homeowners, families with teen drivers, boat owners, landlords, and pool or dog owners. If you could be sued for more than your auto/home limits, an umbrella protects the difference.

Do I need to have my home and auto with you to get an umbrella?

Usually your umbrella carrier requires certain minimum liability limits on the underlying auto and home policies, and it's cleanest to coordinate them. We can shop the umbrella alongside your other coverage to make it all line up.

Related reading: our Michigan personal umbrella insurance guide.