Why Do You Need Umbrella Insurance?
Why Do You Need Umbrella Insurance?
Standard insurance policies have limits, which can leave you exposed to financial risks. Umbrella insurance extends the coverage limits of your home, auto, and other liability policies, providing an additional $1 million or more in protection. This coverage helps manage costs from major incidents, such as significant injuries or lawsuits, that exceed your existing policy limits.
Coverage Beyond the Basics
Umbrella insurance can cover situations not included in standard policies, like accusations of slander or libel. This additional coverage ensures you are prepared for various unexpected events.
Our Commitment to Michigan Residents
We can help you compare multiple policy options so you can select coverage that matches your needs. Our independent agency works with various providers to meet your specific needs.
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Disclaimer- Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.
Additional FAQs for Michigan Umbrella Insurance
Umbrella insurance extends coverage for personal liability, including legal fees, medical bills, and damages exceeding your standard policy limits.
Yes, Michigan residents should consider potential risks like severe weather events and ensure they have adequate coverage for such incidents.
The amount depends on your existing coverage limits and potential liability risks. A common recommendation is to have at least $1 million in additional coverage.
You can reduce premiums by maintaining a good credit score, bundling policies, and choosing a higher deductible.
Contact your insurance agent immediately, document the incident thoroughly, and follow the agent’s instructions to ensure a smooth claims process.
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