ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Umbrella Insurance Agents Near You in Troy, MI

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

The top-rated umbrella insurance agent in Troy, Michigan is Goosehead Insurance - Alsaigh & Adour Agency, rated 5.0 stars across 312 reviews. Other highly rated options include JPS Insurance Agency, AAA Insurance - Howard Beatty IV Insurance Agency, Alfred Shala-HealthMarkets Insurance Agency. This directory lists 18 umbrella insurance agents serving Troy.

Showing 18 umbrella insurance agents in Troy, MIListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Goosehead Insurance - Alsaigh & Adour Agency100 W Big Beaver Rd STE 580(586) 630-3799
2JPS Insurance Agency1111 W Long Lake Rd Suite 201(248) 646-6657
3AAA Insurance - Howard Beatty IV Insurance Agency2950 W Square Lake Rd Suite# 100(248) 792-7012
4Alfred Shala-HealthMarkets Insurance Agency920 E Long Lake Rd STE 200A(586) 707-5527
5HealthMarkets Insurance - Eric Zawicki920 E Long Lake Rd Ste 100A(248) 850-4000
6AAA Insurance - Daniel's Agency42831 Dequindre Rd(248) 800-9999
7Troy-Metro Agency2065 Livernois Rd(248) 813-8540
8Hershey Insurance Group2855 Coolidge Hwy #204(888) 843-7743
9Members Home and Auto2855 Coolidge Hwy #204(877) 898-4102
10Doeren Mayhew Insurance Group3155 W Big Beaver Rd Suite 250(248) 290-0650
GI
100 W Big Beaver Rd STE 580
Goosehead Insurance - Alsaigh & Adour Agency
Umbrella Insurance Agent · Troy, MI

Goosehead Insurance - Alsaigh & Adour Agency serves the Troy, Michigan metro area, providing umbrella insurance agent services. This office helps residents safeguard their assets by offering personal liability coverage that extends beyond standard home and auto policies. Additional layers of protection are available to shield against major claims or lawsuits. The agency assists clients in securing excess liability policies for their residences as well as insurance options for rental properties in the region.

JI
1111 W Long Lake Rd Suite 201
JPS Insurance Agency
Umbrella Insurance Agent · Troy, MI

JPS Insurance Agency offers comprehensive umbrella insurance solutions in Troy, MI, providing added liability coverage beyond standard policies. They advise clients on coverage limits and help adjust plans annually to account for changing assets or risk exposures. Policyholders receive support in claims coordination and periodic coverage reviews. The agency serves a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.

AI
2950 W Square Lake Rd Suite# 100
AAA Insurance - Howard Beatty IV Insurance Agency
Umbrella Insurance Agent · Troy, MI

AAA Insurance - Howard Beatty IV Insurance Agency in Troy, Michigan provides umbrella liability coverage for homeowners, businesses, and property managers seeking extra protection beyond their standard policies. This coverage helps guard against major claims or lawsuits that exceed primary insurance limits. Serving personal and commercial clients throughout the Troy area, the agency assists in tailoring higher liability limits to individual risk needs. The agency also extends its services to clients living and working in nearby Birmingham and other communities across Oakland County.

AS
920 E Long Lake Rd STE 200A
Alfred Shala-HealthMarkets Insurance Agency
Umbrella Insurance Agent · Troy, MI

Alfred Shala-HealthMarkets Insurance Agency in Troy, MI provides umbrella insurance coverage that can be obtained either as a one-time policy for specific liability concerns or as a recurring annual plan for ongoing protection. This additional layer of liability insurance extends beyond the limits of standard homeowners or auto policies, covering unexpected accidents and certain lawsuits. The agency ensures clients have a safeguard against major financial loss. Service arrangements are managed on an as-needed basis, allowing clients to request consultation or policy adjustments whenever their coverage requirements change.

HI
920 E Long Lake Rd Ste 100A
HealthMarkets Insurance - Eric Zawicki
Umbrella Insurance Agent · Troy, MI

HealthMarkets Insurance - Eric Zawicki in Troy, MI, specializes in personal umbrella coverage that extends liability protection beyond standard home and auto policies. This agency also assists clients in Troy by evaluating existing insurance portfolios to identify potential gaps in coverage. Umbrella insurance provides crucial extra liability limits that can safeguard savings and future earnings from large claims or lawsuits. For those planning holiday gatherings or winter driving in Michigan, this coverage offers important financial protection against unforeseen accidents or property damage incidents that exceed underlying policy limits.

AI
42831 Dequindre Rd
AAA Insurance - Daniel's Agency
Umbrella Insurance Agent · Troy, MI

AAA Insurance - Daniel's Agency serves Troy, Michigan, and the surrounding communities in Oakland County. It handles comprehensive umbrella insurance policies designed to provide additional liability coverage beyond standard home and auto limits. This coverage helps protect personal assets from major lawsuits or unexpected claims. The agency assesses each client's existing risk exposure thoroughly. It then identifies the appropriate level of additional coverage to fill gaps and safeguard long-term financial security, tailoring the policy limits to match the individual needs of the insured.

TM
2065 Livernois Rd
Troy-Metro Agency
Umbrella Insurance Agent · Troy, MI

Spring storms in Troy often bring unpredictable hail and wind damage, and Troy-Metro Agency helps local homeowners and businesses address liability gaps that basic policies overlook. This umbrella insurance agent works to secure additional coverage layers, protecting assets from major claims that could otherwise lead to significant financial loss. Routine consultations begin with reviewing existing policies to identify potential exposure points. An initial assessment of current coverage limits and property values is then conducted before any inspection for risk evaluation.

HI
2855 Coolidge Hwy #204
Hershey Insurance Group
Umbrella Insurance Agent · Troy, MI

Hershey Insurance Group assists clients in Troy, Michigan, with their general liability needs, adding specialized umbrella insurance coverage for enhanced asset protection. This type of policy provides extended liability limits beyond standard underlying policies. It safeguards businesses from significant financial losses arising from major claims or lawsuits. The company serves various commercial sectors, including offices, warehouses, and food service operations, helping them manage their specific risk exposures effectively.

MH
2855 Coolidge Hwy #204
Members Home and Auto
Umbrella Insurance Agent · Troy, MI

Members Home and Auto serves residents in Troy, Michigan, by securing umbrella liability coverage that extends beyond standard homeowners and auto policies. The agency also supports local businesses with commercial umbrella options, helping protect assets from large claims. Their service area covers Troy and the surrounding communities in southeastern Michigan. After a policy is issued, the team follows up with periodic reviews to ensure coverage keeps pace with changing assets, encouraging repeat visits from clients between regular insurance check-ins.

DM
3155 W Big Beaver Rd Suite 250
Doeren Mayhew Insurance Group
Umbrella Insurance Agent · Troy, MI

Doeren Mayhew Insurance Group in Troy, Michigan is known for helping clients manage financial liability risks through tailored umbrella insurance policies. These policies provide extra coverage beyond standard home and auto plans, protecting assets from major claims. The agency serves local homeowners, drivers, and business owners who need higher liability limits for comprehensive protection. It can add an umbrella policy to cover potential legal defense costs in a single coordinated plan.

MM
3155 W Big Beaver Rd Suite 125
Mason-McBride Insurance
Umbrella Insurance Agent · Troy, MI
(248) 822-7170
mason-mcbride.com
BI
1050 Wilshire Dr Ste 280
Blevins Insurance Advisors - National Benefit Plans Inc.
Umbrella Insurance Agent · Troy, MI
(586) 291-9381
nbplans.com/health-insurance-agent-profile/shelby-township-michigan-health-insurance-shaun-blevins
WI
1301 W Long Lake Rd #100
Woloshen Insurance Group
Umbrella Insurance Agent · Troy, MI
(248) 590-5854
linkedin.com/company/woloshen-insurance-group
GR
Top of Troy, 755 W Big Beaver Rd Suite 2020
Grand River Insurance
Umbrella Insurance Agent · Troy, MI
(248) 519-2390
grandriverinsurance.com
MI
33975 Dequindre Rd
Millennium Insurance
Umbrella Insurance Agent · Troy, MI
(586) 751-2200
startmyinsurance.com
HA
5445 Corporate Dr # 300
The Hartford
Umbrella Insurance Agent · Troy, MI
(860) 547-5000
thehartford.com
UI
2600 W Big Beaver Rd STE 140
USI Insurance Services
Umbrella Insurance Agent · Troy, MI
(248) 643-5800
usi.com
IP
3001 W Big Beaver Rd #117
Insurance Providers of Michigan,Inc.
Umbrella Insurance Agent · Troy, MI
(248) 325-9469
insuranceprovidersofmichigan.com

What Does an a Umbrella Insurance Agent in Troy Cost?

Umbrella insurance in Michigan typically costs between 150 and 350 dollars per year for 1 million dollars in coverage. Costs can increase to 500 dollars or more for higher limits or if you have multiple properties or vehicles. Your driving record and claims history also affect the premium. This is general information and not insurance advice.

About umbrella insurance agents in Troy

An umbrella insurance agent in Troy Michigan can help you secure extra liability coverage beyond your auto and home policies. Michigan law requires no-fault auto insurance with unlimited medical benefits, making umbrella policies especially important for protecting personal assets. A local agent understands the specific risks and coverage options for residents of Oakland County.

Frequently Asked Questions

What does an umbrella insurance agent in Troy do?

An umbrella insurance agent helps you purchase a personal umbrella policy that provides additional liability coverage. This policy kicks in after your auto or home insurance limits are exhausted. The agent assesses your assets and risks to recommend an appropriate coverage amount.

How much umbrella coverage do I need in Michigan?

Most agents recommend at least 1 million dollars in umbrella coverage for Michigan residents. The right amount depends on your net worth, income, and potential liability risks. Michigan no-fault laws mean medical claims can be high so higher limits are often wise.

Can I get umbrella insurance without a home or auto policy?

No, you must have an underlying home or auto insurance policy to qualify for umbrella coverage in Michigan. The umbrella policy requires minimum liability limits on your base policies. Your agent can help you adjust those limits first.

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.