Umbrella insurance is a type of policy meant to protect both the assets, as well as the future income of the named insured. The umbrella policy is a focused liability policy. It is called an umbrella insurance policy since it covers liability claims over and above the all policies underneath it, including auto or homeowners insurance. Umbrella insurance can also provide coverage for claims not covered by other policies such as Invasion of privacy, slander, vandalism, and false arrest.
Umbrella Insurance is added coverage, and is often purchased from the insurer of the home or auto, offering the purchaser greater discounts because of purchasing multiple policies. Call us or send us a message to get an insurance quote for affordable umbrella policy rates.
Important Questions When Considering An Umbrella Policy
- Do I need an umbrella policy or an excess liability policy?
- I don’t have that many assets, do I need an umbrella policy?
- How much umbrella coverage do I need?
- Is there a deductible with this type of insurance?

Insurance Providers We Trust
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Auto-Owners offers umbrella policies.
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With Citizens Insurance liability coverage, you can overcome legal judgement tomorrow.
- Covers Defense Costs
- Extends liability coverage
- Protects you against judgments that may affect your future income
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Fremont Insurance offers peace of mind coverage offering you extra protection for larger liability claims. Since liability lawsuits are more common and settlements are larger, consider an umbrella policy from Fremont Insurance.
Situations that you may not be covered for:- Libel
- Slander
- Defamation of Character
- Invasion of Privacy
Michigan Insurance Company supplements the liability coverage of your home and auto insurance with a policy that provides another layer of protection.
Features of the policy- World Wide Coverage
- Defense Costs are paid by the Company for:
- Any expenses incurred by the Company
- Court costs in any suit the Company defends
- Premium on certain types of bonds
- Up to $100 per day for loss of earnings while the insured is testifying in court
- Limits from $1 million to $5 million
Additional Enhancements- Watercraft
- Recreational Motor Vehicles
- Rental Dwellings
- Home Business