Umbrella Insurance in Canton & Plymouth, MI
One serious car accident or an injury on your property can lead to a lawsuit that exceeds your auto or home liability limits — and everything above those limits comes out of your savings, your home equity, and even future wages. A personal umbrella policy adds an extra layer of liability protection, usually $1 million or more, over everything you already have.
What an umbrella policy actually does
Your auto and home policies each have a liability ceiling. An umbrella policy sits on top of both: when a covered claim blows past your underlying limits, the umbrella keeps paying — legal defense included. It's protection for your savings, your home, your business income, and your family's future.
Who needs one in Canton and Plymouth
You don't have to be wealthy — you just need something to lose. Homeowners, landlords, parents of teen drivers, pool and trampoline owners, boat and RV owners, and anyone with growing savings or home equity are classic umbrella candidates.
Surprisingly affordable peace of mind
Because umbrella coverage only activates after your other policies, $1 million of additional protection typically costs far less than people expect — often less than a monthly streaming bundle. We'll quote it alongside your auto and home policies so you can see the whole picture.
Get My Free Quote
Frequently asked questions
How much does umbrella insurance cost?
For most households, $1 million of umbrella coverage is one of the least expensive policies they own — the exact price depends on your homes, vehicles, and drivers. Call (734) 224-9424 for a free quote alongside your auto and home coverage.
Do I need certain liability limits on my auto and home policies first?
Yes — umbrella policies require minimum underlying liability limits on your auto and home coverage. We'll check your current limits and line everything up correctly as part of the quote.
Does an umbrella policy cover my rental property or boat?
It often can — umbrella coverage can extend over landlord, boat, and RV liability as well. Tell us everything you own and we'll make sure the umbrella actually covers all of it.
Coverage cannot be bound or altered via email or this website — please call the office to confirm any change to your policy.