The top-rated umbrella insurance agent in Detroit, Michigan is L.A. Insurance, rated 4.9 stars across 900 reviews. Other highly rated options include Premier Insurance Detroit, Nemecek Agency, Gilead Insurance Agency. This directory lists 15 umbrella insurance agents serving Detroit.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | L.A. Insurance | 2922 W Grand Blvd | (313) 871-0100 |
| 2 | Premier Insurance Detroit | 15363 Livernois | (313) 342-4100 |
| 3 | Nemecek Agency | 1420 Washington Blvd STE 300 | (313) 771-5619 |
| 4 | Gilead Insurance Agency | 18323 W McNichols Rd | (313) 533-3220 |
| 5 | Jordan A. Mitchell Insurance Agency | 6925 E Jefferson Ave | (313) 451-6400 |
| 6 | Lewis & Thompson Agency Incorporated | 2621 W Grand Blvd | (313) 875-7555 |
| 7 | L.A. Insurance | 21400 W McNichols Rd | (313) 255-4433 |
| 8 | L.A. Insurance | 17516 Livernois | (313) 863-6000 |
| 9 | L.A. Insurance | 540 E Warren Ave | (313) 888-8268 |
| 10 | L.A. Insurance | 15601 Grand River Ave | (313) 835-4000 |
L.A. Insurance serves Detroit, Michigan, and its surrounding communities, helping local residents and businesses manage liability risks that exceed their standard policy limits. It handles umbrella coverage that steps in after primary insurance is exhausted, offering an extra layer of financial protection from major claims. The company focuses on straightforward consultations, assessing each client's unique exposure to potential lawsuits or large judgments, then tailoring an appropriate policy with higher liability limits to match those specific needs.
Premier Insurance Detroit serves homeowners and vehicle owners across Wayne County and the surrounding metro area as an umbrella insurance agent. The company helps clients secure additional liability coverage that extends beyond the limits of standard auto or homeowners policies. This extra layer of protection can safeguard personal assets against major claims or lawsuits. Premier Insurance Detroit handles policy reviews to determine appropriate coverage limits and assists with filing umbrella claims following covered incidents.
Nemecek Agency helps clients distinguish between a single, high-limit umbrella policy and an ongoing multi-policy approach that layers coverage over auto and homeowners insurance. Their umbrella services provide extra liability protection against major claims and lawsuits that exceed standard policy limits, securing personal assets in the Detroit area. Consultations clarify how excess coverage interacts with underlying policies. This service operates on a scheduled review basis, with policies typically renewed annually unless a significant change occurs.
Gilead Insurance Agency in Detroit, Michigan offers personalized umbrella insurance policies designed to provide extra liability coverage beyond standard homeowners or auto limits. The agency works with local clients to assess their overall risk exposure and select appropriate additional protection. It regularly helps Detroit homeowners and drivers strengthen their financial safeguards against major claims and lawsuits. This service proves particularly valuable during the snowy winter months when the city faces increased risks of slip-and-fall accidents on icy walkways.
As winter ice and snow threaten Detroit properties with slip-and-fall claims, Jordan A. Mitchell Insurance Agency helps local homeowners and small businesses evaluate their liability exposure. An umbrella insurance policy adds an extra layer of coverage beyond standard auto or homeowners limits, protecting savings from large lawsuits. The agent works with clients to review existing policies and identifies gaps in protection based on individual assets and risk factors. An initial consultation includes a no-obligation review of current coverage to determine if additional protection is warranted.
Lewis & Thompson Agency Incorporated provides personal and commercial insurance solutions to clients in Detroit, Michigan. Its umbrella insurance policies offer extended liability coverage beyond standard home and auto limits, protecting policyholders from major claims and lawsuits. The agency also helps businesses with additional liability layers to safeguard against unforeseen risks. Commercial clients it serves include offices in downtown Detroit, local warehouses handling storage and distribution, and food service operations such as restaurants and catering facilities within the metropolitan area.
L.A. Insurance serves Detroit, Michigan, and its surrounding communities, helping local residents and businesses manage liability risks that exceed their standard policy limits. It handles umbrella coverage that steps in after primary insurance is exhausted, offering an extra layer of financial protection from major claims. The company focuses on straightforward consultations, assessing each client's unique exposure to potential lawsuits or large judgments, then tailoring an appropriate policy with higher liability limits to match those specific needs.
L.A. Insurance serves Detroit, Michigan, and its surrounding communities, helping local residents and businesses manage liability risks that exceed their standard policy limits. It handles umbrella coverage that steps in after primary insurance is exhausted, offering an extra layer of financial protection from major claims. The company focuses on straightforward consultations, assessing each client's unique exposure to potential lawsuits or large judgments, then tailoring an appropriate policy with higher liability limits to match those specific needs.
L.A. Insurance serves Detroit, Michigan, and its surrounding communities, helping local residents and businesses manage liability risks that exceed their standard policy limits. It handles umbrella coverage that steps in after primary insurance is exhausted, offering an extra layer of financial protection from major claims. The company focuses on straightforward consultations, assessing each client's unique exposure to potential lawsuits or large judgments, then tailoring an appropriate policy with higher liability limits to match those specific needs.
L.A. Insurance serves Detroit, Michigan, and its surrounding communities, helping local residents and businesses manage liability risks that exceed their standard policy limits. It handles umbrella coverage that steps in after primary insurance is exhausted, offering an extra layer of financial protection from major claims. The company focuses on straightforward consultations, assessing each client's unique exposure to potential lawsuits or large judgments, then tailoring an appropriate policy with higher liability limits to match those specific needs.
What Does an a Umbrella Insurance Agent in Detroit Cost?
In Michigan, umbrella insurance premiums typically range from 150 to 400 dollars per year for 1 million dollars in coverage. Costs can increase to 500 dollars or more for higher limits or if you have multiple vehicles or properties. Factors like driving record and claims history also affect the price. This is general information and not insurance advice.
About umbrella insurance agents in Detroit
An umbrella insurance agent in Detroit Michigan helps you secure extra liability protection beyond your standard auto and homeowners policies. Michigan law requires no-fault auto insurance with unlimited medical benefits, making additional coverage important for asset protection. A local agent can tailor a policy to cover gaps and provide peace of mind for Detroit residents.
Frequently Asked Questions
What does an umbrella insurance agent in Detroit do?
An agent assesses your personal liability risks and recommends an umbrella policy that adds coverage above your existing home and auto limits. They help you understand Michigan specific requirements like the no-fault system. They also assist with policy selection and claims support.
How much umbrella coverage do I need in Michigan?
Typical umbrella policies start at 1 million dollars in coverage. Michigan law does not set a minimum for umbrella policies, but agents often recommend enough to protect your assets and future income. Your agent will review your net worth and risk factors to suggest an appropriate limit.
Can I get umbrella insurance if I have a high risk profile in Detroit?
Yes, many agents work with carriers that offer umbrella policies to drivers with tickets or accidents. However, premiums may be higher. Your agent can shop multiple insurers to find a policy that fits your situation.
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