The Ultimate Safety Net
In a litigious world, looking wealthy can make you a target. Protect your savings, home equity, and future wages with an extra $1 Million+ in liability coverage.
Who Needs It?
If you own a home, have significant savings, or have a teenage driver, you are at risk. One serious auto accident could exhaust your standard $250k or $500k limits in seconds.
Peace of Mind
For roughly the cost of a daily coffee (often $200-$400/year), you can add $1,000,000 of coverage. It is largely considered the best value in the insurance world.
How Umbrella Insurance Works
Think of it as a second layer of defense that sits on top of your Auto and Homeowners policies.
Example Scenario
You cause a major car accident resulting in serious injuries to another driver. The jury awards them $800,000.
- Your Auto Policy pays its maximum limit: $250,000.
- Without an Umbrella policy, you are personally responsible for the remaining $550,000. (They could garnish your wages or take your assets.)
- WITH an Umbrella policy, the umbrella kicks in and pays the remaining $550,000 plus your legal defense fees. Your nest egg is safe.
Serving High Net Worth Clients in Oakland & Macomb County
We work with premier carriers like Chubb, Pure, and Cincinnati for complex asset protection.
Get An Umbrella Quote
Secure your future today.
Umbrella Insurance FAQs
Most carriers require you to have specific liability limits on your underlying policies first. Typically, this is 250/500/100 on your Auto and $300,000 on your Home. We can help adjust your current policies to qualify.
No. A Personal Umbrella policy only covers personal liability. If you own a business, you need a separate Commercial Umbrella policy.
Yes. This is one of the biggest benefits. Legal defense costs can bankrupt you even if you win the lawsuit. The umbrella policy helps cover these costs, often in addition to your coverage limit.