Michigan Personal Umbrella Insurance

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Personal Umbrella Insurance in Michigan

What exactly is a personal umbrella insurance policy? 

A personal umbrella insurance policy is a type of insurance that provides additional liability coverage above and beyond the coverage you already have on your auto and homeowners insurance policy. this provides you with an extra layer of protection in the even that you need it. So, if your liability coverage isn't enough to cover the damages of an accident you cause or an incident on your property, a personal umbrella insurance policy kicks in. An umbrella policy can protect you when your automobile or homeowners insurance isn't enough.

Let's take a look at an example of where a personal umbrella insurance policy could save the day!

If you're at fault in a car accident that injures another driver, your regular automobile insurance will cover the other driver up to the limit you selected, say $250,000. But what happens if that limit is not enough to cover the other driver's needs?

If the other driver's injuries are severe, he may require benefits beyond the $250,000 your policy covers. In this case, he could sue you, which means your personal assets would be at stake. This could be a small amount, but imagine if that injured driver were a surgeon or another high paying professional. What if the accident you caused resulted in an injury that kept him from doing his job for six months? Suddenly, he's suing you for $1 million to cover the six months he's away from work.

Michigan personal umbrella insurance policies are inexpensive, but the value they provide is tremendous. Don't risk everything you have worked so hard for just to save a few bucks. If you are interested in an umbrella insurance quote be sure to let your agents know. We can work up a personalized quote for you in just a few minutes.

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  • Your service is prompt, there are no surprises and the rates are $130 less than what we were paying.
    John K. October 2017
  • You always get back to me right away even when I don't expect a call until the next day. Everyone is so professional in the office. Thank you for the exceptional customer service.
    Katie October 2017
  • I am surprised and glad that Mr. Mittleman reviews our policies periodically and seeks to offer the best service. Thank you so much.
    Julie October 2017
  • Thus far (knock on wood) I haven't had to make any claims, so I can't speak to that level of service, but the process of signing up was very easy, and I had immediate help via text and cell phone calls for my agent to fax over proof of insurance when purchasing my vehicle. After comparing costs going directly through the car insurance company, and getting it through Lifetime Insurance, they were also able to get me a significantly lower rate.
    Marilyn C October 2017
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    Jeremy B. October 2017
  • Always has worked hard to get great deals. Recommended to several friends and family.
    Holly G. October 2017
  • Very good service!!! Amanda does a great job!!!
    Craig M. September 2017
  • You found mutiple options and dug down to identify which ones fit our family and asset protection needs. Then you guys followed thru with the selected companies and made our day a lot easier. Finally, you keep in touch and let us know when things with our policies may not be laying flat and then gather the info so its easy (at least as can be) to resolve any issues. I really feel like you are on our side as we navigate through our changing circumstances.
    Melvin C. September 2017
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