The top-rated umbrella insurance agent in Livonia, Michigan is Loyalty Insurance, rated 4.9 stars across 463 reviews. Other highly rated options include Cheryl Bowker: Allstate Insurance, Perfect Price Insurance Agency, Metro Agency, Inc.. This directory lists 20 umbrella insurance agents serving Livonia.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Loyalty Insurance | 39209 Six Mile Rd # 200 | (734) 454-5450 |
| 2 | Cheryl Bowker: Allstate Insurance | 31221 Five Mile Rd | (734) 525-9610 |
| 3 | Perfect Price Insurance Agency | 13740 Merriman Rd | (734) 743-1042 |
| 4 | Metro Agency, Inc. | 32646 Five Mile Rd | (734) 522-3900 |
| 5 | Compass Insurance Agency | 33723 Five Mile Rd | (833) 568-6499 |
| 6 | AAA Insurance - Waely Insurance Agency | 28436 Joy Rd | (313) 998-3553 |
| 7 | AAA Insurance - Mark Ismail Insurance Agency | 33539 Plymouth Rd | (734) 742-5650 |
| 8 | Garwood Buda Knight & Associates | 33039 Schoolcraft | (313) 255-9350 |
| 9 | L.A. Insurance | 17114 Farmington Rd | (734) 266-0800 |
| 10 | Goosehead Insurance - Ronny Anouti | 17199 N Laurel Park Dr Suite 47 | (248) 971-1122 |
Loyalty Insurance serves clients throughout Wayne County, Michigan, from its Livonia office. The agency provides umbrella insurance policies that extend personal liability coverage beyond standard homeowners and auto insurance limits. This extra protection helps safeguard assets when a claim exceeds underlying policy maximums. Umbrella coverage can also include legal defense costs that might otherwise deplete personal savings. For individuals exposed to heightened lawsuit risks, Loyalty Insurance handles customized umbrella coverage assessments and coordinates required underlying policy adjustments.
As an umbrella insurance agent, Cheryl Bowker Allstate Insurance in Livonia, MI provides personal excess liability coverage that extends beyond the limits of standard auto and homeowners policies. Its service includes consultation to help clients assess their risk exposure and match appropriate policy limits. Maintenance plans involve annual reviews of existing coverage to adjust for life changes or asset growth. Service is offered for single-family homes, apartments, retail properties, and restaurants.
Perfect Price Insurance Agency serves homeowners, businesses, and property managers in Livonia, Michigan, by offering umbrella insurance policies that extend additional liability coverage beyond standard homeowners or auto policies. This added protection helps clients safeguard their assets against major claims or lawsuits that could otherwise exceed their primary insurance limits. The agency provides guidance to help customers select coverage limits appropriate for their specific risks and financial circumstances. Its services also reach clients in nearby Westland and the surrounding western Wayne County communities.
Metro Agency, Inc. serves Livonia and the surrounding communities throughout Wayne County, handling personal umbrella insurance policies that extend liability coverage beyond standard auto and homeowner limits. Their work addresses the need for additional protection against major claims or lawsuits that could otherwise threaten personal assets. For a typical client, the agency reviews existing underlying policy limits and risk exposures to recommend an appropriate amount of added coverage. It then coordinates with primary carriers to ensure a seamless attachment of the umbrella policy.
Compass Insurance Agency in Livonia, MI specializes in umbrella insurance, providing an extra layer of liability coverage beyond standard auto and homeowners policies. This agency also guides clients through the process of assessing personal assets and selecting appropriate policy limits to protect against major claims or lawsuits. For those with swimming pools, active teenage drivers, or rental properties, this expert assistance becomes essential during the high-traffic summer season when accident risks naturally increase.
As snow and ice create slip risks for Livonia residents, securing proper protection against liability claims becomes essential. AAA Insurance - Waely Insurance Agency offers umbrella coverage that extends beyond standard policy limits to shield personal assets during major incidents. Operating locally in Livonia, the agency ensures clients understand how umbrella policies respond to common seasonal hazards involving driveways, walkways, and property conditions. After an initial discussion of property and lifestyle exposures, the agent schedules a straightforward inspection to verify existing coverage gaps before recommending a tailored umbrella limit.
AAA Insurance - Mark Ismail Insurance Agency in Livonia, MI, helps clients secure primary liability coverage and then enhance that protection with umbrella policies for added financial safeguards. Umbrella insurance extends existing policy limits, providing essential security against major claims or lawsuits that could otherwise exceed standard coverage. This agency serves local businesses and property owners, assisting those with offices, warehouses, and food service operations in managing broader liability exposures through tailored excess liability solutions.
Garwood Buda Knight & Associates provides residential umbrella insurance coverage for homeowners in Livonia, Michigan, helping to extend liability protection beyond standard policies. The agency also offers commercial umbrella insurance solutions tailored to local businesses throughout the surrounding area. Their team works with clients to review existing coverage and determine appropriate limits for added financial security. Repeat customers often return for periodic policy updates when their assets or risk profiles change between regular insurance visits.
L.A. Insurance in Livonia, Michigan serves homeowners, local business owners, and property managers who need extra liability protection beyond standard policies. An umbrella insurance agent helps these clients secure coverage that can shield assets from major claims or lawsuits. The agency works with individuals and small to mid-sized businesses throughout the area. Services include policy review, risk assessment, and comparing options from multiple carriers. L.A. Insurance also serves clients in nearby communities such as Westland and Garden City in the western Detroit metro.
What Does an a Umbrella Insurance Agent in Livonia Cost?
The cost of umbrella insurance in Michigan typically ranges from 150 to 400 dollars per year for 1 million dollars of coverage. Each additional million often costs 50 to 150 dollars per year. Factors like your driving record number of properties and claims history affect the premium. This is general information and not insurance advice.
About umbrella insurance agents in Livonia
An umbrella insurance agent in Livonia Michigan helps you secure extra liability coverage that goes beyond your auto and homeowners policies. Michigan law requires minimum auto liability limits but lawsuits can exceed those amounts. A local agent can explain how an umbrella policy protects your assets and future earnings.
Frequently Asked Questions
What does an umbrella insurance policy cover in Livonia Michigan?
An umbrella policy provides additional liability coverage above your auto and homeowners limits. It covers claims like bodily injury property damage and personal injury lawsuits. In Michigan it can also cover legal defense costs for certain claims not included in standard policies.
How much umbrella insurance do I need in Michigan?
Most agents recommend at least 1 million dollars in umbrella coverage. Your net worth and income level help determine the right amount. Michigan courts can award large judgments so higher limits may be wise for high net worth individuals.
Do I need umbrella insurance if I have a home in Livonia Michigan?
Yes if you have significant assets or a higher risk of being sued. Livonia homeowners with swimming pools trampolines or rental properties face increased liability risks. Umbrella insurance adds a layer of protection that can cover legal costs and settlements.
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