Personal Insurance · Extra liability for the life you've built
Personal Umbrella Insurance
An added layer of liability protection above your home and auto limits.
A serious accident or lawsuit can exceed your home or auto liability limits faster than most people expect. A personal umbrella adds another layer of protection above those policies.
Once your underlying limits are exhausted, an umbrella helps cover the rest — protecting your savings, assets, and future earnings from a single bad day.
What personal umbrella insurance can cover
Excess liability
Extra protection above your auto, home, and other policy limits.
Legal defense
Defense costs for covered claims, often on top of the limit.
Broad situations
Many claims that underlying policies cap or exclude.
Affordable limits
Typically $1M–$5M of coverage for a modest annual premium.
Who it's for
Homeowners, families with drivers, landlords, and anyone with assets worth protecting.
Frequently asked questions
How much umbrella coverage do I need?
A good starting point is enough to cover your net worth, including future income. We'll look at your assets and underlying limits and recommend a sensible amount.
Related coverage
Auto Insurance
Compare Michigan auto rates from multiple carriers and get the liability, PIP, and collision coverage that actually protects you.
Learn moreHome Insurance
Homeowners insurance that covers your dwelling, belongings, and liability — with replacement-cost limits that keep up with Michigan rebuild costs.
Learn moreLandlord & Rental Property Insurance
Landlord insurance protects rental dwellings, lost rental income, and your liability as a property owner — including vacant-property options.
Learn moreReady to protect what matters?
Get a free personal umbrella insurance quote and clear guidance from an agent who works for you.