The top-rated umbrella insurance agent in Commerce Township, Michigan is Medicare Benefits Group, rated 5.0 stars across 367 reviews. Other highly rated options include Acrisure Commerce Township, MI (Insurance Advisors), Tim Peacock - State Farm Insurance Agent, Jason Doyle - State Farm Insurance Agent. This directory lists 13 umbrella insurance agents serving Commerce Township.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Medicare Benefits Group | 4485 Commerce Woods Dr | (734) 657-4797 |
| 2 | Acrisure Commerce Township, MI (Insurance Advisors) | 4375 Pineview Dr | (248) 363-5746 |
| 3 | Tim Peacock - State Farm Insurance Agent | 2071 E West Maple Rd Ste E-507 | (248) 438-6535 |
| 4 | Jason Doyle - State Farm Insurance Agent | 1111 W Oakley Park Rd #101 | (248) 313-9113 |
| 5 | The Derek Stein Agency - Farm Bureau Insurance | 3075 S Commerce Rd | (248) 714-5200 |
| 6 | Desiree Truman - State Farm Insurance Agent | 620 W Commerce Rd STE A | (248) 363-4711 |
| 7 | Corporate Insurance Planners | 1990 Union Lake Rd # 400B | (248) 360-2143 |
| 8 | Goosehead Insurance - Mary Bucki | 1155 Welch Rd Suite B | (248) 758-3001 |
| 9 | Benchmark Financial Limited | 8884 Commerce Rd | (248) 642-0700 |
| 10 | Farmers Insurance - Robert Dettloff | 8262 Cooley Lake Rd | (248) 363-7555 |
Medicare Benefits Group serves Commerce Township and surrounding Oakland County as an umbrella insurance agent. The company helps local residents and businesses obtain supplemental liability coverage that extends beyond the limits of their standard policies. Umbrella insurance provides additional financial protection against major claims, including auto accidents, property incidents, and personal liability lawsuits. By offering this broader coverage, the agency assists clients in safeguarding their assets and future earnings. Its specific services include personal umbrella policies for homeowners and commercial umbrella coverage for small businesses in the region.
Acrisure Commerce Township, MI (Insurance Advisors) provides a range of umbrella insurance coverage services for clients in the local area. It helps policyholders secure additional liability protection that extends beyond the limits of their standard auto or homeowners policies. Its service approach involves reviewing each client’s existing insurance portfolio to determine appropriate coverage levels and explain policy options. Ongoing support includes assistance with policy updates and claims coordination. The agency serves owners of single-family homes, apartments, retail businesses, and restaurants throughout Commerce Township and the surrounding region.
Homeowners, businesses, and property managers in Commerce Township seeking liability protection beyond standard policy limits rely on Tim Peacock’s agency for umbrella insurance. This broker evaluates existing coverage to recommend additional layers of financial security against major claims or lawsuits. The office provides clear guidance on how excess liability policies coordinate with auto and homeowners plans. Clients in adjacent areas such as Walled Lake also access these services through the Commerce Township location.
Serving Commerce Township and the surrounding communities of Oakland County, Jason Doyle - State Farm Insurance Agent handles umbrella insurance policies for local residents and businesses. This supplemental liability coverage extends beyond the limits of standard auto and homeowners insurance to provide additional financial protection. The agent focuses on assessing each client’s specific asset exposure and risk factors from everyday activities. By carefully reviewing existing coverage gaps and liability risks, it develops a plan that strengthens overall protection without leaving clients underinsured.
The Derek Stein Agency, serving Commerce Township, provides umbrella insurance policies that can be arranged either as a one-time purchase for immediate liability protection or as a recurring annual service to maintain continuous coverage over time. This type of policy adds a separate layer of liability limits above standard homeowners and auto policies, safeguarding assets from major claims. Experienced agents guide clients through risk evaluation to ensure adequate protection. Service for initial policy setup is conducted on a one-time basis, with annual renewals handled on a scheduled cycle.
As an umbrella insurance agent, Desiree Truman of State Farm in Commerce Township, MI helps clients secure liability coverage that extends beyond standard home and auto policies. This specialty service protects policyholders from major claims and lawsuits that could otherwise threaten personal assets. The agency also addresses regular insurance needs for vehicles, homes, and renters. During the winter months, umbrella insurance becomes especially relevant for Commerce Township residents facing increased risks from icy conditions on both roads and walkways.
As winter ice and spring storms sweep through Commerce Township, homeowners face liability risks that basic policies often leave uncovered. Corporate Insurance Planners provides umbrella insurance agent services to help residents close those gaps with extra liability protection. Their team evaluates property exposure and personal assets to tailor coverage limits that respond to severe weather claims or unforeseen accidents on the premises. An initial consultation includes a walkthrough of the client’s current policies to identify vulnerabilities before recommending an umbrella amount that aligns with their financial landscape.
Serving the Commerce Township area, Goosehead Insurance - Mary Bucki helps clients manage liability risks through standard coverage options. The agency specializes in umbrella insurance, which provides extra liability protection beyond basic homeowners or auto policies. This additional layer of coverage can safeguard personal assets in the event of a major claim or lawsuit. Goosehead Insurance - Mary Bucki can assist a range of commercial sectors, including local offices, warehouses, and food service operations.
Benchmark Financial Limited serves the Commerce Township, MI area by assisting residents with umbrella insurance coverage for added liability protection beyond standard policies. The firm also provides commercial umbrella solutions for local businesses seeking broader risk management. Serving clients across the region, the agency focuses on crafting coverage that complements existing home or commercial policies. Following an initial appointment, agents remain available for policy adjustments or renewal reviews before the next regular check-in.
What Does an a Umbrella Insurance Agent in Commerce Township Cost?
The cost of an umbrella insurance policy in Michigan typically ranges from 150 to 400 dollars per year for one million dollars in coverage. Higher limits of two to five million dollars may cost 300 to 800 dollars annually. Your actual premium depends on your risk factors such as number of vehicles driving record and property value. This is general information and not insurance advice.
About umbrella insurance agents in Commerce Township
Umbrella insurance agents in Commerce Township Michigan help you add an extra layer of liability protection beyond your standard auto and homeowners policies. Michigan law requires minimum auto liability limits but a personal umbrella policy can cover larger claims and legal costs. Local agents understand the specific risks for Oakland County residents and can tailor coverage to your needs.
Frequently Asked Questions
What does umbrella insurance cover in Michigan?
Umbrella insurance covers liability claims that exceed your auto or home policy limits. It also covers certain claims not included in those policies such as libel or false arrest. In Michigan this is important because the state has high medical costs and a no-fault auto system that can lead to large lawsuits.
How much umbrella coverage do I need in Commerce Township?
Most agents recommend at least one million dollars in umbrella coverage. The amount you need depends on your assets such as home value savings and future income. A local Commerce Township agent can help you calculate the right limit based on your personal situation.
Do I need umbrella insurance if I have a home and auto policy in Michigan?
Yes you should consider it if you have significant assets or face higher liability risks. Michigan law does not require umbrella insurance but it can protect your savings and property from a large lawsuit. Even a single accident or dog bite claim could exceed your standard policy limits.
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