Umbrella Insurance — Extra Protection When It Matters Most
Your home and auto policies have limits. Umbrella insurance picks up where they leave off, protecting your assets and future income from catastrophic claims.
What Is Umbrella Insurance?
Umbrella insurance is one of the most cost-effective ways to protect everything you've built. It's a single policy that sits on top of your existing home, auto, and other liability policies, extending your coverage by $1 million or more. If you're ever involved in a serious accident — a multi-car pileup, a dog bite lawsuit, a guest injured at your home — and the damages exceed your underlying policy limits, your umbrella policy pays the difference. Without it, a single lawsuit could wipe out your savings, equity, and even garnish your future wages. For most Michigan families, umbrella coverage costs just $150–$300 per year.
Knight Family Agency serves West Michigan with Farmers Insurance products tailored to Michigan families and businesses.
What's Included
If an auto accident verdict exceeds your auto liability limits ($100K, $300K, etc.), umbrella pays the excess — up to your umbrella limit.
If someone is injured on your property and the judgment exceeds your homeowners liability, umbrella steps in.
Michigan has strict dog bite liability laws. Umbrella provides crucial excess coverage if a bite results in a serious injury lawsuit.
Some umbrella policies cover personal injury claims including libel, slander, and invasion of privacy — not covered by standard policies.
Legal defense costs in covered lawsuits are typically paid by the umbrella policy, even if the underlying claim is eventually dismissed.
Umbrella coverage extends to liability from rental properties you own, providing an extra layer over your landlord policy.
Who Needs This Coverage
If you have meaningful equity, savings, or investments, those assets are at risk in a lawsuit without umbrella protection.
Michigan's strict liability dog bite laws make umbrella coverage critical for any dog owner — especially larger breeds.
Teen drivers have higher accident rates. If your teen causes a serious accident, umbrella provides the extra layer of protection your family needs.
Each rental property you own is another potential source of liability claims. Umbrella coverage efficiently extends over all of them.
Backyard pools, trampolines, holiday parties — frequent entertaining increases your liability exposure significantly.
These are considered 'attractive nuisances' under Michigan law and create elevated liability even for non-invited guests.
Frequently Asked Questions
$1 Million in Extra Protection for About $15/Month
Umbrella insurance is the most underrated coverage in Michigan. One serious claim can change everything — get protected today.