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Directory of umbrella insurance agents in Birmingham, Michigan. Verify credentials with the state department of insurance before hiring.
2 agents listed
Updated May 2026
Birmingham, MI
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 2 umbrella insurance agents in Birmingham, 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.
Randahl Agency, LLC
877 S Adams Rd #202, Birmingham, MI 48009
(248) 594-5700
locator.meemic.com
Birmingham Insurance Agency
401 S Old Woodward Ave, Birmingham, MI 48009
(248) 600-5398
An umbrella insurance agent in Birmingham Michigan helps you add a layer of liability protection beyond your auto and homeowners policies. Michigan law requires no-fault auto insurance with specific minimum limits, and an umbrella policy can cover gaps. Local agents understand Birminghams unique property values and Michigan liability risks.
What Does a Umbrella Insurance Agent in Birmingham Cost?
Typical costs for an umbrella insurance policy in Michigan range from 150 to 400 dollars per year for 1 million dollars of coverage. Higher limits, such as 2 million or 5 million dollars, cost more. Your premium depends on your driving record, property, and number of vehicles. 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 Birmingham do?
An umbrella insurance agent in Birmingham helps you purchase a personal liability umbrella policy. This policy provides extra coverage above your auto and homeowners limits. The agent assesses your assets and recommends appropriate coverage amounts.
How much umbrella coverage do I need in Michigan?
Most Michigan agents recommend at least 1 million dollars in umbrella coverage. Your specific need depends on your net worth, property value, and risk exposure. Michigan does not set a legal minimum for umbrella policies, but agents often suggest coverage equal to your total assets.
Is umbrella insurance required by Michigan law?
No, Michigan law does not require umbrella insurance. However, Michigan auto law requires minimum liability coverage of 25000 dollars per person and 50000 dollars per accident. An umbrella policy provides additional protection beyond these minimums.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Michigan.