Umbrella Insurance

If you have a home or automobile insurance policy in Michigan, it might seem as though your current coverage is sufficient. That perception can change quickly if you are faced with costly liability claims that cause your existing policies to run out of money. In many cases, umbrella insurance can provide the financial cushion needed to protect your assets and keep you above water during times of financial hardship.

Jennifer Schembri
Jennifer Schembri
Managing Partner

Upload Your Current Policy To Compare a Quote

Umbrella Insurance

If you have a home or automobile insurance policy in Michigan, it might seem as though your current coverage is sufficient. That perception can change quickly if you are faced with costly liability claims that cause your existing policies to run out of money. In many cases, umbrella insurance can provide the financial cushion needed to protect your assets and keep you above water during times of financial hardship.

Jennifer Schembri
Jennifer Schembri
Managing Partner

Upload Your Current Policy To Compare a Quote

What is Umbrella Insurance? 

Umbrella insurance is the extra liability protection that comes to your rescue when your standard coverages run out. While you might think you don’t need it, having umbrella insurance can save you on a rainy day. The primary benefit of umbrella insurance is that it covers any damages and losses beyond what your standard policies will pay. This means if someone sues you and wins—even if you’re found not liable—your umbrella policy would help absorb the cost.

Consultation of legality and insurance
Couple reviewing documents

What Does Umbrella Insurance Cover?

Umbrella insurance is additional coverage that is purchased to protect you from financial liability above and beyond your other insurance policies. It’s designed to protect a customer from large lawsuits or settlements, like those that might result from injuring someone in an automobile accident or damaging the property of another person. It is an add-on to other insurance plans like a boat, auto, business, and home insurance coverages.

Typically, umbrella insurance covers the following:

  • Property Damage

  • Bodily Injury

  • Personal Liabilities Like Slander and Libel

Consultation of legality and insurance

What is Umbrella Insurance? 

Umbrella insurance is the extra liability protection that comes to your rescue when your standard coverages run out. While you might think you don’t need it, having umbrella insurance can save you on a rainy day. The primary benefit of umbrella insurance is that it covers any damages and losses beyond what your standard policies will pay. This means if someone sues you and wins—even if you’re found not liable—your umbrella policy would help absorb the cost.

Couple reviewing documents

What Does Umbrella Insurance Cover?

Umbrella insurance is additional coverage that is purchased to protect you from financial liability above and beyond your other insurance policies. It’s designed to protect a customer from large lawsuits or settlements, like those that might result from injuring someone in an automobile accident or damaging the property of another person. It is an add-on to other insurance plans like a boat, auto, business, and home insurance coverages.

Typically, umbrella insurance covers the following:

  • Property Damage

  • Bodily Injury

  • Personal Liabilities Like Slander and Libel

Who Should Consider Umbrella Insurance?

There is a common misconception that umbrella insurance is for the rich and famous. The reality is that anyone can get sued. If you fall into the below situations, you need to consider umbrella insurance ASAP because the chances of being sued are high.

Consider umbrella insurance if you:

Own a Pet That Can Bite

Graphic of a person being chased by dog

Coach Youth Sports

Graphic of a coach and his players sitting on the bench

Participate In Risky Hobbies

That Can Pose
Danger To Others

Graphic of a person hunting geese

Own a Watercraft or Vehicle

Graphic of a jet ski boat in the water

Your Family Members Have Strong Opinions on Social Media

Graphic of a person using a computer to go on social media

Are a Board Member of a Nonprofit Making Organization

Graphic of a business owner at a round table meeting

Have Significant Earnings and Assets

Graphic of a business owner and a dollar sign

Who Should Consider Umbrella Insurance?

There is a common misconception that umbrella insurance is for the rich and famous. The reality is that anyone can get sued. If you fall into the below situations, you need to consider umbrella insurance ASAP because the chances of being sued are high.

Consider umbrella insurance if you:

Own a Pet That Can Bite

Graphic of a person being chased by dog

Coach Youth Sports

Graphic of a coach and his players sitting on the bench

Participate In Risky Hobbies That Can Pose Danger To Others

Graphic of a person hunting geese

Own a Watercraft or Vehicle

Graphic of a jet ski boat in the water

Your Family Members Have Strong Opinions on Social Media

Graphic of a person using a computer to go on social media

Are a Board Member of a Nonprofit Making Organization

Graphic of a business owner at a round table meeting

Have Significant Earnings and Assets

Graphic of a business owner and a dollar sign

The Right Plan at The Right Price

While the law doesn’t require you to buy umbrella insurance, it’s paramount to do so. The cost of a lawsuit against you can wipe out your assets. Protect yourself by purchasing umbrella insurance.

Great Lakes State Agency is a trusted umbrella insurance agency located in Lansing, MI. We specialize in customer service and offering quality coverages to Michigan residents at competitive prices. Would you like to boost your auto or home insurance with umbrella insurance? Please contact the Great Lakes State Agency for a quote today.

Michigan Welcome Sign
Michigan Welcome Sign

The Right Plan at The Right Price

While the law doesn’t require you to buy umbrella insurance, it’s paramount to do so. The cost of a lawsuit against you can wipe out your assets. Protect yourself by purchasing umbrella insurance.

Great Lakes State Agency is a trusted umbrella insurance agency located in Lansing, MI. We specialize in customer service and offering quality coverages to Michigan residents at competitive prices. Would you like to boost your auto or home insurance with umbrella insurance? Please contact the Great Lakes State Agency for a quote today.