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.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sue Crowe - State Farm Insurance Agent | 31800 Harper Ave | (586) 296-3800 |
| 2 | Lakepointe Insurance Agency | 25124 Jefferson Ave | (586) 776-6990 |
| 3 | Michigan Insurance and Financial Services | 26503 Harper Ave | (586) 218-5980 |
| 4 | DDI Insurance Agency | 24522 Harper Ave | (313) 925-3216 |
| 5 | Joe Manzella Agency - Goosehead Insurance | 23000 Greater Mack Ave 2nd Floor, Suite 400 | (313) 314-6811 |
| 6 | Goosehead Insurance - Joe Manzella | 23000 Greater Mack Ave Suite 400 | (313) 314-2227 |
| 7 | Farm Bureau Insurance - Paul Genaw | 23420 Greater Mack Ave C | (586) 218-7795 |
| 8 | DC Insurance Group | 26333 Jefferson Ave # 103 | (586) 774-6400 |
| 9 | Farm Bureau Insurance - The DeRonne Agency | 23420 Greater Mack Ave C | — |
| 10 | Farmers Insurance - Talitha Perry | 23409 Jefferson Ave Ste 102 | (586) 774-5684 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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