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Find Umbrella Insurance Agents Near You in Bay City, MI

Browse umbrella insurance agents serving Bay City, Michigan. Updated 2026-07-14.

The top-rated umbrella insurance agent in Bay City, Michigan is Brent Mishler - State Farm Insurance Agent, rated 4.9 stars across 124 reviews. Other highly rated options include Jon LaPorte - State Farm Insurance Agent, Weaver Group Insurance Agency, Lori Harrison - State Farm Insurance Agent. This directory lists 20 umbrella insurance agents serving Bay City.

Showing 20 umbrella insurance agents in Bay City, MIListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Brent Mishler - State Farm Insurance Agent3583 Wilder Rd UNIT 5(989) 686-8680
2Jon LaPorte - State Farm Insurance Agent1416 State St #1(989) 895-5570
3Weaver Group Insurance Agency916 Washington Ave STE 204(989) 391-5085
4Lori Harrison - State Farm Insurance Agent815 Columbus Ave(989) 895-5536
5MCI Insurance701 N Madison Ave(989) 892-5541
6The Kory Agency900 S Euclid Ave(989) 391-5200
7Superior Insurance Group916 Washington Ave SUITE 210(989) 893-7651
8Farmers Insurance - Miranda Keenan264 Uptown Dr(989) 671-9899
9Michael Hayes Agency/Farm Bureau Insurance509 S Euclid Ave(989) 684-4160
10Future Insurance Agency501 S Euclid Ave(989) 922-0049
BM
3583 Wilder Rd UNIT 5
Brent Mishler - State Farm Insurance Agent
Umbrella Insurance Agent · Bay City, MI

Brent Mishler - State Farm Insurance Agent serves the Bay City, Michigan area, specializing in umbrella insurance policies. This company provides personal liability coverage that extends beyond the limits of standard homeowners and auto insurance. An umbrella policy helps protect clients from major claims and lawsuits that could otherwise threaten their assets. General liability limits are raised, offering broader protection for everyday risks and unforeseen incidents. Common services handled include evaluating a client's existing liability exposure and securing an individual umbrella policy to fill coverage gaps.

JL
1416 State St #1
Jon LaPorte - State Farm Insurance Agent
Umbrella Insurance Agent · Bay City, MI

Jon LaPorte - State Farm Insurance Agent in Bay City, MI, provides umbrella insurance coverage that extends liability protection beyond standard policy limits. The agency helps clients evaluate their existing risk exposure to determine necessary additional coverage and offers periodic policy reviews to adjust coverage as needs change over time. It works to ensure personal assets and future earnings are safeguarded against major claims or lawsuits. The agency services single-family homes, apartments, retail locations, and restaurants.

WG
916 Washington Ave STE 204
Weaver Group Insurance Agency
Umbrella Insurance Agent · Bay City, MI

Homeowners, businesses, and property managers in Bay City, Michigan, turn to Weaver Group Insurance Agency for umbrella liability coverage that extends beyond the limits of standard policies. This type of insurance provides an extra layer of financial protection against major claims or lawsuits. Typical policies cover a wide range of assets and future earnings. The agency also supports clients in the adjacent communities of Essexville and Midland.

LH
815 Columbus Ave
Lori Harrison - State Farm Insurance Agent
Umbrella Insurance Agent · Bay City, MI

Serving Bay City and the surrounding communities of Michigan’s Great Lakes Bay Region, Lori Harrison - State Farm Insurance Agent provides umbrella insurance to help protect clients against major claims and lawsuits. The agency handles policies that extend liability coverage beyond standard auto and homeowners limits, offering additional financial security. For a typical job, it reviews current policies to ensure appropriate coverage gaps are filled and advises on the most suitable level of excess liability protection.

MI
701 N Madison Ave
MCI Insurance
Umbrella Insurance Agent · Bay City, MI

For clients transitioning between personal liability policies or requiring additional safeguard beyond primary coverage, MCI Insurance in Bay City, MI offers umbrella insurance solutions. The firm structures these policies either on a one-time basis for specific asset protection needs or as a scheduled, recurring endorsement for ongoing risk management. Coverage extends standard home and auto liability limits, providing an extra layer of financial security against major claims or lawsuits. Service for umbrella insurance arrangements from this agency is available on both one-time and scheduled, recurring bases.

KA
900 S Euclid Ave
The Kory Agency
Umbrella Insurance Agent · Bay City, MI

The Kory Agency in Bay City, MI provides umbrella insurance policies, offering an additional layer of liability coverage that extends beyond standard home and auto limits. It generally assists local clients in protecting their assets from major claims and lawsuits. This specialized agent helps residents address specific seasonal concerns, such as increased liability from winter ice-related accidents on private property.

SI
916 Washington Ave SUITE 210
Superior Insurance Group
Umbrella Insurance Agent · Bay City, MI

When heavy spring rains threaten basements in Bay City, Michigan, Superior Insurance Group helps local homeowners assess their liability exposure. As an umbrella insurance agent, the company advises clients on how an additional layer of personal liability protection can cover claims beyond standard home or auto policies. This coverage is especially relevant for households with pools, rental properties, or young drivers. The process begins with a consultation and a review of existing policy limits to determine if an umbrella policy is an appropriate next step.

FI
264 Uptown Dr
Farmers Insurance - Miranda Keenan
Umbrella Insurance Agent · Bay City, MI

Farmers Insurance - Miranda Keenan provides general risk management solutions for residents and businesses in Bay City, MI. The agency specially offers umbrella insurance, which extends liability coverage beyond standard policy limits to protect clients against major claims or lawsuits. This added layer of personal or commercial liability security complements existing homeowners, auto, and business policies. The office serves diverse commercial sectors including professional offices, warehouses, and food service establishments.

MH
509 S Euclid Ave
Michael Hayes Agency/Farm Bureau Insurance
Umbrella Insurance Agent · Bay City, MI

Michael Hayes Agency/Farm Bureau Insurance provides residential umbrella liability coverage for households in Bay City, Michigan, offering an extra layer of protection beyond standard homeowners policies. The agency also assists local businesses with commercial umbrella insurance, serving clients throughout the Bay City area. Policies are designed to help safeguard assets from major claims. Following initial consultations, the agency regularly checks in with policyholders to review coverage needs and ensure their protection remains current between annual policy renewal visits.

FI
501 S Euclid Ave
Future Insurance Agency
Umbrella Insurance Agent · Bay City, MI
AI
702 S Euclid Ave
AAA Insurance - Kolm Insurance Group
Umbrella Insurance Agent · Bay City, MI
(989) 316-1170
locator.acg.aaa.com/mi/bay-city/aaa-insurance-kolm-insurance-group
DI
3741 Wilder Rd # C
DuRussel Insurance Agency
Umbrella Insurance Agent · Bay City, MI
(989) 671-8206
durussel.com
AI
903 Saginaw St
Aird Insurance Group - Farm Bureau Insurance
Umbrella Insurance Agent · Bay City, MI
(989) 792-9687
airdinsurancegroup.com
LA
916 N Euclid Ave
The Lenar Agency
Umbrella Insurance Agent · Bay City, MI
(989) 401-7770
FB
903 Saginaw St
Farm Bureau Insurance Engelhardt Agency
Umbrella Insurance Agent · Bay City, MI
(989) 895-4321
farmbureauinsurance-mi.com/Portal/Wireframes/AgentAdditionalPage.aspx
RS
2450 Midland Rd
Rudy Schlatter Agency - Farm Bureau Insurance
Umbrella Insurance Agent · Bay City, MI
(989) 684-2773
farmbureauinsurance-mi.com/Agent/Rudy-Schlatter
BI
503 N Euclid Ave Suite 11
Bechert Insurance Group-Farm Bureau Insurance in Bay City
Umbrella Insurance Agent · Bay City, MI
(989) 656-6860
michfb.com/request-a-quote
SA
721 Washington Ave ste 505
Secure Assets Insurance Agency, LLC-Specializing in Medicare Plans
Umbrella Insurance Agent · Bay City, MI
(989) 414-1377
secureassetsia.com
FI
2105 10th St
Fremont Insurance
Umbrella Insurance Agent · Bay City, MI
(989) 891-9324
VU
1108 W Jenny St
Valley United Insurance
Umbrella Insurance Agent · Bay City, MI
(989) 686-7099
valleyunitedinsurance.com

What Does an a Umbrella Insurance Agent in Bay City Cost?

The cost of umbrella insurance in Michigan typically ranges from 150 to 500 dollars per year for one million dollars of coverage. Factors that affect the price include your driving record number of properties and prior claims. Higher coverage limits such as two or three million dollars will increase the premium. This is general information and not insurance advice.

About umbrella insurance agents in Bay City

Umbrella insurance provides extra liability coverage beyond standard auto or homeowners policies. In Bay City Michigan an agent can help you assess your personal risk and secure a policy that meets Michigan insurance regulations. Local agents understand the specific liability limits required by Michigan law and can tailor coverage to protect your assets.

Frequently Asked Questions

What does an umbrella insurance agent in Bay City do?

An umbrella insurance agent helps you purchase a personal liability umbrella policy that adds coverage above your existing auto and home insurance. They evaluate your net worth and potential risks to recommend an appropriate coverage limit. In Michigan this extra layer can protect against lawsuits and large claims.

How much umbrella insurance do I need in Michigan?

The amount of umbrella insurance you need depends on your assets and income. Many agents suggest coverage equal to your total net worth or at least one million dollars. Michigan does not set a minimum requirement but higher limits can shield you from personal injury and property damage lawsuits.

Is umbrella insurance required by Michigan law?

No Michigan law does not require umbrella insurance. However it is often required by auto or homeowners insurers if you have high liability limits on those policies. An agent can explain when a carrier mandates umbrella coverage as a condition of your primary insurance.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.