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Find Umbrella Insurance Agents Near You in Holland, MI

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

The top-rated umbrella insurance agent in Holland, Michigan is Zeke Alejos - State Farm Insurance Agent, rated 4.9 stars across 1,390 reviews. Other highly rated options include Alliance Financial & Insurance Agency, Dallas Smock - State Farm Insurance Agent, Farmers Insurance - Nathan Bowers. This directory lists 20 umbrella insurance agents serving Holland.

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

Comparison

Top 10 listings
#NameAddressPhone
1Zeke Alejos - State Farm Insurance Agent244 James St B(616) 796-8781
2Alliance Financial & Insurance Agency348 S Waverly Rd STE 230(616) 588-2510
3Dallas Smock - State Farm Insurance Agent431 E 8th St(616) 396-0492
4Farmers Insurance - Nathan Bowers426 Century Ln Ste 100(616) 317-2488
5Amsink Insurance Agency, LLC416 Butternut Dr(616) 393-4977
6Lenz-Balder Insurance340 120th Ave(616) 748-9440
7Alera Group (formerly Lighthouse)99 E 8th St Ste 210(616) 392-6900
8L.A. Insurance12521 James St Ste. 50(616) 738-8100
9HOP INSURANCE AGENCY INC - FARM BUREAU INSURANCE477 Chicago Dr(616) 396-5728
10The Insurance Group593 Heritage Ct(616) 392-3498
ZA
244 James St B
Zeke Alejos - State Farm Insurance Agent
Umbrella Insurance Agent · Holland, MI

Zeke Alejos - State Farm Insurance Agent serves the Holland, Michigan, metro area as an umbrella insurance agent. This agency helps clients obtain extra liability coverage that extends beyond the limits of standard home and auto policies. Umbrella insurance provides an additional layer of financial protection for unforeseen claims or lawsuits. It can cover legal fees and settlement costs that exceed underlying policy limits. The agency specifically assists with personal umbrella insurance to safeguard assets and with obtaining higher liability limits for existing auto policies.

AF
348 S Waverly Rd STE 230
Alliance Financial & Insurance Agency
Umbrella Insurance Agent · Holland, MI

Alliance Financial & Insurance Agency provides umbrella liability insurance for clients in Holland, Michigan, offering extended coverage above standard auto and home policies. Its service plans include policy review and integration to ensure seamless layering of protection across existing insurance lines. Maintenance involves periodic coverage audits and annual policy adjustments to match evolving assets. The agency services a variety of property types, including single-family homes, apartments, retail storefronts, and local restaurants.

DS
431 E 8th St
Dallas Smock - State Farm Insurance Agent
Umbrella Insurance Agent · Holland, MI

Dallas Smock - State Farm Insurance Agent in Holland, MI, serves homeowners, businesses, and property managers seeking personal liability protection beyond standard policy limits. This office helps clients cover legal expenses and judgments from accidents or incidents on their property. Umbrella policies are available to extend coverage for significant claims involving bodily injury or property damage. The agent also assists clients in reviewing current liability risks to recommend appropriate additional layers of protection. Service extends to surrounding areas such as Zeeland and the broader Ottawa County metro region.

FI
426 Century Ln Ste 100
Farmers Insurance - Nathan Bowers
Umbrella Insurance Agent · Holland, MI

Farmers Insurance - Nathan Bowers in Holland, MI distinguishes between one-time umbrella policies for temporary liability gaps and recurring annual coverage for ongoing asset protection. They provide additional liability insurance that extends beyond standard home and auto policy limits, safeguarding clients against major claims and lawsuits. Additional coverage often includes legal defense costs for covered incidents. Their service runs on either a one-time or an as-needed basis depending on each client's unique risk exposure and renewal preferences.

AI
416 Butternut Dr
Amsink Insurance Agency, LLC
Umbrella Insurance Agent · Holland, MI

Serving the Holland, Michigan area and its surrounding communities, Amsink Insurance Agency, LLC handles umbrella insurance needs for local residents and businesses. This type of coverage provides an extra layer of liability protection beyond standard policies, helping clients safeguard assets from major claims or lawsuits. The agency focuses on understanding each client’s specific risk exposure to recommend appropriate limits. To handle a typical job, it first reviews a client’s existing auto and home policies, then calculates the additional coverage necessary to close potential gaps.

LB
340 120th Ave
Lenz-Balder Insurance
Umbrella Insurance Agent · Holland, MI

Lenz-Balder Insurance provides umbrella insurance coverage for homeowners, auto owners, and renters in the Holland, MI area. The agency also handles standard liability policies, working with local clients to assess their overall risk exposure and asset protection needs. Umbrella policies extend existing liability limits, offering an additional layer of defense against major claims or lawsuits. This specialized coverage can be especially valuable during the winter months, when icy walkways and snow-related accidents increase the potential for costly liability claims from visitors or passersby.

AG
99 E 8th St Ste 210
Alera Group (formerly Lighthouse)
Umbrella Insurance Agent · Holland, MI

As the Lake Michigan shoreline shifts and spring rains sweep through Holland, commercial and residential property owners seek to close coverage gaps that standard policies often leave open. Alera Group, formerly known as Lighthouse, provides umbrella insurance in this lakeshore region, extending liability limits above homeowners, auto, and business policies. This added layer protects assets from major claims involving accidents on the property or boating incidents common in the area. A local agent begins by reviewing existing underlying policies and discussing current risk exposure before scheduling an on-site property or business inspection.

LI
12521 James St Ste. 50
L.A. Insurance
Umbrella Insurance Agent · Holland, MI

L.A. Insurance arranges umbrella liability policies for residential clients in Holland, Michigan, offering added layers of protection beyond standard homeowners insurance. Commercial umbrella coverage is also available for local businesses seeking broader risk management. The agent serves customers throughout the Holland area. Policyholders often return for annual policy reviews or after life changes that require coverage adjustments, allowing the agency to maintain consistent service between regular visits.

HI
477 Chicago Dr
HOP INSURANCE AGENCY INC - FARM BUREAU INSURANCE
Umbrella Insurance Agent · Holland, MI
IG
593 Heritage Ct
The Insurance Group
Umbrella Insurance Agent · Holland, MI
FB
494 W 17th St
Farm Bureau Insurance - The Zack Martin Agency
Umbrella Insurance Agent · Holland, MI
(616) 288-3494
facebook.com/thezackmartinagency
KB
348 S Waverly Rd
Koop & Burr Insurance
Umbrella Insurance Agent · Holland, MI
(616) 355-2920
koopburr.com
BA
460 S Waverly Rd
Buursma Agency
Umbrella Insurance Agent · Holland, MI
(616) 392-2105
buursmaagency.com
MD
494 W 17th St
Miguel Delao Agency - Farm Bureau Insurance
Umbrella Insurance Agent · Holland, MI
(616) 251-1553
delaoagency.com
BI
2822 W Shr Dr
BHS Insurance - Holland
Umbrella Insurance Agent · Holland, MI
(616) 396-2000
bhsins.com
KA
400 136th Ave #600
Kamer Agency
Umbrella Insurance Agent · Holland, MI
(616) 396-4676
nolankameragency.com
AS
380 Garden Ave
Andy Spears Agency Farm Bureau Insurance
Umbrella Insurance Agent · Holland, MI
(616) 396-3333
farmbureauinsurance-mi.com/agent/andy-spears
EE
763 E 8th St
eight East Insurance Agency, LLC
Umbrella Insurance Agent · Holland, MI
(616) 610-4455
eighteastins.com
RT
11595 E Lakewood Blvd #30
Ringnalda TenHaken Insurance Group - Holland
Umbrella Insurance Agent · Holland, MI
(616) 530-2800
rtiholland.com
FB
380 Garden Ave
Farm Bureau Insurance Megan Quist Agency
Umbrella Insurance Agent · Holland, MI
(616) 396-3333
insurethelakeshoremi.com

What Does an a Umbrella Insurance Agent in Holland Cost?

In Michigan, the annual premium for a 1 million dollar personal umbrella policy typically ranges from 150 to 400 dollars. Higher coverage amounts, such as 2 million or 5 million dollars, will cost more, often between 300 and 800 dollars per year. Costs vary based on your driving record, home value, number of properties, and insurance history. This is general information and not insurance advice.

About umbrella insurance agents in Holland

An umbrella insurance agent in Holland Michigan helps you secure extra liability coverage that goes beyond your auto and homeowners policies. Michigan is a no-fault auto insurance state with unique liability rules, so an umbrella policy can provide critical additional protection for your assets. Working with a local agent ensures your coverage aligns with Michigan law and your specific needs.

Frequently Asked Questions

What does an umbrella insurance agent in Holland do?

An umbrella insurance agent helps you purchase a personal liability umbrella policy that covers claims exceeding the limits of your underlying home and auto policies. In Michigan, this is especially important because the state has high minimum liability requirements and a no-fault system that can still leave you exposed to lawsuits. The agent assesses your assets and risk profile to recommend an appropriate coverage amount.

How much umbrella coverage do I need in Michigan?

Most Michigan agents suggest at least 1 million dollars in umbrella coverage, though higher limits are common for those with significant assets or high-risk activities. The amount depends on factors like your net worth, property value, and potential lawsuit exposure. Your agent will help you calculate a suitable limit based on your personal situation.

Is umbrella insurance required by Michigan law?

No, Michigan law does not require umbrella insurance. However, it is strongly recommended because standard auto and homeowners policies have coverage caps that may not fully protect you in a serious accident or lawsuit. Michigan courts can award large judgments, and an umbrella policy provides an extra layer of financial security.

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.