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HomeUmbrella Insurance AgentsMichigan › St Clair Shores

Find Umbrella Insurance Agents Near You in St Clair Shores, MI

Browse umbrella insurance agents serving St Clair Shores, Michigan. Updated 2026-07-14.

The top-rated umbrella insurance agent in St Clair Shores, Michigan is Sue Crowe - State Farm Insurance Agent, rated 4.9 stars across 357 reviews. Other highly rated options include Lakepointe Insurance Agency, Michigan Insurance and Financial Services, DDI Insurance Agency. This directory lists 17 umbrella insurance agents serving St Clair Shores.

Showing 17 umbrella insurance agents in St Clair Shores, MIListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Sue Crowe - State Farm Insurance Agent31800 Harper Ave(586) 296-3800
2Lakepointe Insurance Agency25124 Jefferson Ave(586) 776-6990
3Michigan Insurance and Financial Services26503 Harper Ave(586) 218-5980
4DDI Insurance Agency24522 Harper Ave(313) 925-3216
5Joe Manzella Agency - Goosehead Insurance23000 Greater Mack Ave 2nd Floor, Suite 400(313) 314-6811
6Goosehead Insurance - Joe Manzella23000 Greater Mack Ave Suite 400(313) 314-2227
7Farm Bureau Insurance - Paul Genaw23420 Greater Mack Ave C(586) 218-7795
8DC Insurance Group26333 Jefferson Ave # 103(586) 774-6400
9Farm Bureau Insurance - The DeRonne Agency23420 Greater Mack Ave C
10Farmers Insurance - Talitha Perry23409 Jefferson Ave Ste 102(586) 774-5684
SC
31800 Harper Ave
Sue Crowe - State Farm Insurance Agent
Umbrella Insurance Agent · St Clair Shores, MI

Sue Crowe - State Farm Insurance Agent serves St Clair Shores, Michigan, and the surrounding Macomb County area. The agency focuses on providing umbrella insurance coverage, which offers an extra layer of liability protection beyond standard policies. This service helps safeguard clients against major claims and lawsuits. Umbrella insurance is typically utilized to cover liability costs from accidents involving property damage or bodily injury. The agency handles personal umbrella policies for residential clients and often assists with claims related to auto accidents or home incidents.

LI
25124 Jefferson Ave
Lakepointe Insurance Agency
Umbrella Insurance Agent · St Clair Shores, MI

Lakepine Insurance Agency offers umbrella insurance coverage in St Clair Shores, MI, providing an extra layer of liability protection that extends beyond the limits of standard home and auto policies. Its service plans focus on helping clients evaluate their overall risk exposure and select appropriate policy limits to safeguard assets. The agency assists with claims support and annual policy reviews to adjust coverage as needs change. It serves homeowners of single-family homes and apartments, and also works with retail establishments and restaurants.

MI
26503 Harper Ave
Michigan Insurance and Financial Services
Umbrella Insurance Agent · St Clair Shores, MI

Serving homeowners, businesses, and property managers in St Clair Shores, Michigan Insurance and Financial Services offers umbrella insurance policies that provide additional liability coverage beyond standard limits. This agent helps clients protect their assets from major claims and lawsuits. Umbrella insurance is essential for those seeking extra security against unforeseen events. The company also extends its coverage services to neighboring Grosse Pointe Woods, ensuring broader protection for residents and businesses throughout the area.

DI
24522 Harper Ave
DDI Insurance Agency
Umbrella Insurance Agent · St Clair Shores, MI

DDI Insurance Agency serves clients in St Clair Shores, Michigan, and the surrounding communities of Macomb County, handling umbrella insurance policies that provide additional liability coverage beyond standard home and auto limits. The agency focuses on protecting local residents from significant financial losses that could arise from lawsuits or major accidents. It carefully assesses each client’s unique risk exposure, including property value and personal assets, before recommending appropriate coverage levels, and then coordinates seamlessly with underlying home and auto insurers to ensure a unified policy structure.

JM
23000 Greater Mack Ave 2nd Floor, Suite 400
Joe Manzella Agency - Goosehead Insurance
Umbrella Insurance Agent · St Clair Shores, MI

Based in St Clair Shores, MI, the Joe Manzella Agency - Goosehead Insurance provides both one-time policy review services and ongoing annual coverage management for umbrella insurance. This type of policy extends liability protection beyond standard home and auto limits to safeguard personal assets against major claims. For local homeowners and drivers in St Clair Shores, the agency tailors coverage limits to address risks such as property accidents or on-site legal costs. Service runs on either a one-time review basis or a scheduled annual renewal cycle.

GI
23000 Greater Mack Ave Suite 400
Goosehead Insurance - Joe Manzella
Umbrella Insurance Agent · St Clair Shores, MI

Goosehead Insurance - Joe Manzella specializes in umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits. Serving St Clair Shores, this agency helps clients shield their assets from major claims or lawsuits. General insurance guidance and policy integration are also offered to ensure comprehensive protection. As Michigan winter storms increase the risk of slips on icy driveways or car accidents, this agency helps homeowners and drivers secure additional coverage against large liability claims that might arise from such seasonal hazards.

FB
23420 Greater Mack Ave C
Farm Bureau Insurance - Paul Genaw
Umbrella Insurance Agent · St Clair Shores, MI

Farm Bureau Insurance – Paul Genaw focuses primarily on protecting assets through liability coverage, with umbrella insurance serving as an extended layer beyond standard policies. This St Clair Shores agency helps clients shield savings and future income when underlying limits are exceeded. They address personal and business exposures such as property damage or injury claims. Their services are relevant across multiple commercial sectors, including offices, warehouses, and food service operations.

DI
26333 Jefferson Ave # 103
DC Insurance Group
Umbrella Insurance Agent · St Clair Shores, MI

As the Michigan autumn brings falling leaves and increased slip-and-fall risks, homeowners in Macomb County often review their coverage limits. DC Insurance Group in St Clair Shores offers umbrella insurance policies that layer above basic home and auto liability. These policies help protect personal assets against large claims or lawsuits that exceed standard deductibles. Agents discuss how a single incident around a driveway or sidewalk could trigger excess liability. They begin by gathering current insurance details and then performing a personal risk assessment to explain available terms.

FB
23420 Greater Mack Ave C
Farm Bureau Insurance - The DeRonne Agency
Umbrella Insurance Agent · St Clair Shores, MI
FI
23409 Jefferson Ave Ste 102
Farmers Insurance - Talitha Perry
Umbrella Insurance Agent · St Clair Shores, MI

Farmers Insurance - Talitha Perry in St Clair Shores, MI, is known for providing personal umbrella liability policies that extend coverage beyond standard home and auto limits. The agency serves local residents by addressing gaps in existing insurance plans, offering protection against large claims and lawsuits. Its service range includes customizing umbrella coverage to match individual risk factors. This agent can add on excess liability protection for recreational vehicles, such as boats or ATVs.

MI
27735 Jefferson Ave
Montagne Insurance Agency
Umbrella Insurance Agent · St Clair Shores, MI
(586) 202-2887
DI
31750 Harper Ave
Davis Insurance Group Agency
Umbrella Insurance Agent · St Clair Shores, MI
(586) 944-2220
davisinsgrp.com
AI
29840 Harper Ave
AAA Insurance - Kim Hobson & Associates
Umbrella Insurance Agent · St Clair Shores, MI
(586) 459-0778
locator.acg.aaa.com/mi/st-clair-shores/aaa-insurance-kim-hobson-&-associates
GI
22930 E 9 Mile Rd
Gallagher Insurance, Risk Management & Consulting
Umbrella Insurance Agent · St Clair Shores, MI
(586) 774-5300
locations.ajg.com/us/mi/saint-clair-shores/22930-nine-mile-road
EM
24220 Jefferson Ave # A
Eastern Michigan Agencies Inc
Umbrella Insurance Agent · St Clair Shores, MI
(586) 778-9900
emainsurance.com
PP
23409 Jefferson Ave STE 100B
Perry & Perry Insurance Group Inc.
Umbrella Insurance Agent · St Clair Shores, MI
(586) 774-5711
GI
21731 Greater Mack Ave
Gardner Insurance
Umbrella Insurance Agent · St Clair Shores, MI
(586) 359-2286
thegardnerinsurance.com

What Does an a Umbrella Insurance Agent in St Clair Shores Cost?

The cost of umbrella insurance in Michigan typically ranges from 150 to 350 dollars per year for one million dollars in coverage. Adding more coverage usually costs less per million. 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 St Clair Shores

Umbrella insurance agents in St Clair Shores Michigan help you secure personal liability coverage that kicks in after your home or auto policy limits are exhausted. Michigan law requires no-fault auto insurance with minimum liability limits, but an umbrella policy can provide an extra layer of protection against large lawsuits. Local agents can explain how umbrella insurance works with Michigan specific coverage rules.

Frequently Asked Questions

What does an umbrella insurance agent in St Clair Shores do?

An umbrella insurance agent helps you purchase a personal liability policy that covers claims above your standard home and auto limits. In Michigan, this can protect you from lawsuits arising from accidents on your property or while driving. The agent will assess your assets and recommend an appropriate coverage amount.

Do I need umbrella insurance in Michigan?

You may need umbrella insurance if you have significant assets such as a home, savings, or investments. Michigan courts can award large judgments in liability cases, and umbrella coverage helps shield your assets. It is also useful if you own a pool, a dog, or frequently host guests.

How much umbrella coverage should I get in St Clair Shores?

Most agents recommend starting with one million dollars in umbrella coverage, which is the minimum most insurers offer. If you have higher net worth or greater liability risks, you may need two million or more. Your agent can help you calculate the right amount based on your personal situation.

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.