Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Michigan before hiring.
Showing 7 umbrella insurance agents in Madison Heights, MI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
David Arce - State Farm Insurance Agent
909 E 12 Mile Rd, Madison Heights, MI 48071
(248) 399-1155
davearce.com
Bryan Bromley - State Farm Insurance Agent
551 E 11 Mile Rd Ste 1C, Madison Heights, MI 48071
(586) 446-4600
bryanbromley.com
Doug Ware Insurance Inc
30795 John R Rd, Madison Heights, MI 48071
(248) 265-3444
dougwareinsurance.com
Health Insurance & Medicare Advantage Enrollment Office - Will Weaver
26092 John R Rd, Madison Heights, MI 48071
(248) 985-4860
healthmarkets.com
L.A. Insurance
28707 Dequindre Rd, Madison Heights, MI 48071
(248) 398-2233
lainsurance.com
Jensen Insurance Agency
29081 Dequindre Rd F, Madison Heights, MI 48071
(248) 546-9400
jensenagency.com
Matthew Buschman Agency
724 W 11 Mile Rd, Madison Heights, MI 48071
(248) 617-0026
agents.farmers.com
What Does a Umbrella Insurance Agent in Madison Heights Cost?
The cost of an umbrella insurance policy in Michigan typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage. Higher limits, such as 2 million or 5 million dollars, may cost 300 to 1,000 dollars annually. Your actual premium depends on your risk factors, including driving record, home value, and number of properties. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Madison Heights do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides extra coverage above your existing auto and home insurance. In Michigan, this can be especially important because the state has high medical costs and a no-fault system that may leave you exposed to large lawsuits. The agent will assess your assets and risks to suggest a suitable policy limit.
How much umbrella insurance do I need in Madison Heights Michigan?
The amount of umbrella insurance you need depends on your net worth, income, and potential liability risks. Many agents recommend at least 1 million dollars in coverage, but higher limits may be wise if you own property or have significant savings. Michigan courts can award large judgments, so an agent can help you choose a limit that protects your assets.
Is umbrella insurance required by law in Michigan?
No, umbrella insurance is not required by Michigan law. However, it is strongly recommended for anyone with assets to protect. Michigan auto insurance law requires unlimited PIP coverage, but umbrella policies add an extra layer of liability protection that can cover legal costs and settlements beyond your standard policy limits.