The top-rated umbrella insurance agent in Farmington Hills, Michigan is Wolf-Chandler Agency, LLC, rated 4.9 stars across 140 reviews. Other highly rated options include AAA Insurance - Ali Insurance Agency, AAA Insurance - Saleh Insurance Agency, Bergstrom Insurance Agency. This directory lists 11 umbrella insurance agents serving Farmington Hills.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Wolf-Chandler Agency, LLC | 30903 Northwestern Hwy Suite 260 | (248) 952-9500 |
| 2 | AAA Insurance - Ali Insurance Agency | 29525 W Nine Mile Rd | (313) 992-0006 |
| 3 | AAA Insurance - Saleh Insurance Agency | 38255 W 10 Mile Rd | (248) 987-2660 |
| 4 | Bergstrom Insurance Agency | 30701 W 10 Mile Rd #400 | (248) 478-4800 |
| 5 | Farmers Insurance - Richard Masri | 31500 W 13 Mile Rd Ste 106 | (248) 360-2100 |
| 6 | VTC Insurance Group - Farmington Hills | 37000 Grand River Ave #150 | (248) 471-0970 |
| 7 | United Insurance Services LLC | 28230 Orchard Lake Rd #203 | (248) 737-0022 |
| 8 | Goosehead Insurance - Joseph Smigielski | 27620 Farmington Rd Unit B-11 | (248) 205-4289 |
| 9 | AAA Insurance - Ibura Insurance Agency | 29586 Orchard Lake Rd | (248) 377-8315 |
| 10 | Al Bourdeau Insurance Agency | 30777 Northwestern Hwy #201 | (248) 855-6690 |
Wolf-Chandler Agency, LLC serves homeowners and businesses in the Oakland County area from its base in Farmington Hills, Michigan, specializing in umbrella insurance policies. This type of coverage provides an extra layer of liability protection beyond standard home or auto policy limits. It helps shield personal assets and future earnings against large claims and lawsuits. The agency advises clients on structuring appropriate policy limits. It regularly handles both personal umbrella policies for individuals and commercial umbrella coverage for local businesses.
AAA Insurance - Ali Insurance Agency in Farmington Hills, MI provides comprehensive umbrella insurance agent services, offering policies that extend liability coverage beyond standard home and auto limits. It works with clients to customize personal umbrella policies and manage renewals, with service plans that include periodic coverage reviews and policy adjustments to meet changing needs. The agency serves a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.
AAA Insurance - Saleh Insurance Agency in Farmington Hills, Michigan serves homeowners, landlords, and small business owners who need extra liability protection beyond their standard policies. As an umbrella insurance agency, it helps clients increase their coverage limits against major claims such as property damage or personal injury lawsuits. The agency provides personalized consultations to evaluate existing policies and determine appropriate supplemental liability layers. Its services also extend to clients throughout Oakland County, including surrounding areas like Novi and Southfield.
Bergstrom Insurance Agency serves Farmington Hills, Michigan, and the surrounding communities in Oakland County. As an umbrella insurance agent, it handles policies that provide extra liability coverage beyond standard home and auto insurance limits. For each client, the agency assesses existing primary policies to identify potential gaps in protection. It then tailors an umbrella policy to offer additional coverage against major claims or lawsuits. The agency typically begins a job by reviewing a client’s current insurance portfolio and personal risk factors to determine the appropriate level of supplementary liability protection.
Farmers Insurance - Richard Masri in Farmington Hills, MI offers umbrella insurance with a choice between a one-time policy purchase for immediate liability protection and a recurring annual renewal for ongoing coverage. This agency provides additional liability coverage beyond standard home and auto policies, safeguarding personal assets. Service runs on a recurring annual basis, with policyholders contacted each renewal period to review limits and adjust coverage as needed.
VTC Insurance Group - Farmington Hills provides specialized umbrella insurance, offering additional liability coverage that extends beyond standard auto, home, and watercraft policies. This agency serves clients throughout Farmington Hills and the surrounding area by assessing individual risk exposures and recommending appropriate excess liability limits. It helps protect personal assets from large claims or lawsuits arising from accidents. As winter approaches, it assists homeowners in reviewing coverage to guard against increased liability from icy driveways or sidewalk falls that could result in serious injury claims.
As the seasons change in Farmington Hills, residents often review their coverage for unexpected gaps in liability protection. United Insurance Services LLC provides guidance on umbrella insurance, offering an extra layer of security beyond standard home and auto policies. This agent evaluates individual risk factors and potential assets that may require broader coverage. The process begins with a thorough review of existing policies and personal liability exposure. An initial assessment meeting is scheduled to discuss your specific needs and determine appropriate limits.
Goosehead Insurance - Joseph Smigielski in Farmington Hills, MI offers personal insurance solutions and specializes in umbrella insurance coverage. An umbrella policy provides additional liability protection beyond standard home and auto limits, helping to safeguard assets from major claims or lawsuits. Designed to fill gaps in existing coverage, it addresses common regional risks. This agency can serve a variety of commercial sectors, including local offices, warehouses, and food service establishments that require extended liability layers for their operations.
AAA Insurance - Ibura Insurance Agency in Farmington Hills, MI offers residential umbrella insurance to help property owners protect against large liability claims that exceed standard home policies. They also provide commercial umbrella coverage for local business operations. Serving the Farmington Hills area and Greater Detroit, they carefully review each client’s existing liability limits to recommend appropriate additional protection. Clients often return between regular policy reviews to adjust coverage as their assets or circumstances change, ensuring continued follow-up support.
Al Bourdeau Insurance Agency provides general insurance services, including the specialty add-on of umbrella liability protection that extends coverage limits beyond standard policies for local individuals and businesses. Serving the Farmington Hills, Michigan area, this agency helps address risks that could exceed underlying policy caps with an additional layer of financial security for qualifying assets. Commercial umbrella coverage is available for sectors such as offices, warehouses, and food service operations.
What Does an a Umbrella Insurance Agent in Farmington Hills Cost?
Umbrella insurance in Michigan typically costs between 150 and 350 dollars per year for 1 million dollars in coverage. Premiums vary based on your risk profile number of vehicles and property value. Higher coverage limits of 2 to 5 million dollars may cost 300 to 700 dollars annually. This is general information and not insurance advice.
About umbrella insurance agents in Farmington Hills
Umbrella insurance provides extra liability coverage beyond standard auto and homeowners policies. In Farmington Hills Michigan this coverage can protect assets from large claims or lawsuits. Michigan law does not require umbrella insurance but it is often recommended for homeowners and drivers who want additional financial security.
Frequently Asked Questions
What does an umbrella insurance agent in Farmington Hills do?
An umbrella insurance agent helps you assess your liability risks and find a policy that adds coverage above your existing limits. They can explain how Michigan law affects claims and what exclusions may apply to your specific situation.
How much umbrella insurance coverage do I need in Michigan?
Most agents recommend at least 1 million dollars in umbrella coverage for Michigan residents. The right amount depends on your assets income and risk factors such as owning a pool or having a teenage driver.
Does Michigan law affect umbrella insurance policies?
Yes Michigan has specific rules for auto liability and no-fault insurance that can interact with umbrella policies. An agent can help ensure your umbrella coverage aligns with state requirements and does not duplicate existing coverage.
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