Umbrella insurance
Adds a million dollars or more of liability protection above your auto and home policies, for very little money.
An umbrella policy sits on top of the liability limits in your auto, home, boat, and other policies. It pays when a lawsuit or serious injury claim goes past those limits. It is the coverage people most often wish they had after the fact.
- Liability claims that exceed your underlying policies
- Some claims underlying policies exclude, like libel or slander
- Legal defense costs
- Your own injuries or property
- Business activities
- Intentional acts
- Homeowners with savings, equity, or future earnings to protect
- Households with teen drivers, pools, boats, or rental property
- Anyone who would be sued for more than their auto limit
Questions people ask about umbrella.
What does an umbrella policy actually do?
An umbrella adds a layer of liability coverage — usually $1 million or more — above the limits on your auto, home, boat, and other policies. It pays when a serious…
AutoDo I need uninsured motorist coverage?
It is not required in Michigan, but it is the coverage that pays you when the driver who hurt you has no insurance or not enough. Roughly one in five Michigan drivers…
HomeDoes homeowners insurance cover a golf cart?
Usually only while it is on your own property and used to service the property or play golf. The moment it is driven on a road, a trail, or a neighbor's land, most…
Uninsured motorist coverage, explained
What does uninsured motorist coverage do in a no-fault state?
Where umbrella shows up in real life.
Ready to see umbrella options?
A few questions, your ZIP, and we’ll show you which market fits before you give us a phone number.