The top-rated umbrella insurance agent in Shelby Township, Michigan is SWITCH Insurance Group, rated 4.8 stars across 308 reviews. Other highly rated options include Filliccia Insurance Agency, Dallo Insurance Group, Lifetime Insurance Services. This directory lists 19 umbrella insurance agents serving Shelby Township.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | SWITCH Insurance Group | 7857 25 Mile Rd Suite 103 | (248) 636-4200 |
| 2 | Filliccia Insurance Agency | 50551 Van Dyke Ave | (248) 537-4040 |
| 3 | Dallo Insurance Group | 45489 Market St | (248) 606-4991 |
| 4 | Lifetime Insurance Services | 7857 25 Mile Rd Suite 103 | (888) 376-4364 |
| 5 | Green Valley Insurance Agency | 50258 Van Dyke Ave C | (586) 580-3663 |
| 6 | Comparion Insurance Agency | 13001 23 Mile Rd STE 102 | (586) 532-7298 |
| 7 | Mansfield Insurance Group | 8790 23 Mile Rd | (586) 522-4427 |
| 8 | Core Insurance Group | 50787 Corporate Dr | (248) 847-2673 |
| 9 | Custom Ins Agency | 50551 Van Dyke Ave | (586) 935-6110 |
| 10 | Hilb Group | 45600 Village Blvd | (586) 799-6000 |
SWITCH Insurance Group serves Shelby Township and surrounding areas of Macomb County as an umbrella insurance agent. This agency provides additional liability coverage that extends beyond the limits of standard home, auto, or watercraft policies, protecting clients from major claims and lawsuits. Umbrella policies issued here help safeguard personal assets and future earnings. The agency assists with customizing coverage limits and coordinating policies for comprehensive risk management against large liability exposures.
Filliccia Insurance Agency in Shelby Township, MI, provides umbrella insurance coverage tailored to increase personal liability protection beyond standard policy limits. Their service includes a straightforward initial policy assessment to evaluate existing coverages and potential gaps, followed by annual policy reviews to adapt to changing circumstances. This ensures clients maintain adequate liability safeguards over time. The agency serves an array of local properties, including single-family homes, apartments, retail spaces, and restaurants.
Serving Shelby Township and the surrounding communities in Macomb County, Dallo Insurance Group focuses exclusively on helping clients protect their assets with umbrella insurance policies. This type of coverage adds an extra layer of liability protection above standard home and auto policies. The agency understands the unique risks faced by local residents, from everyday accidents to unexpected lawsuits. For each client, the team begins by reviewing existing coverage limits and personal risk factors, then recommends a specific policy amount that effectively fills potential gaps in protection.
Lifetime Insurance Services assists homeowners, property managers, and small business operators in Shelby Township, Michigan, with securing umbrella liability coverage. These policies add an extra layer of protection beyond standard auto and property insurance limits. The agency focuses on helping clients understand their risk exposure and select appropriate coverage amounts. By addressing common gaps in liability protection, it works to safeguard assets from unexpected lawsuits. Its service area also extends throughout Macomb County, including the neighboring city of Utica and surrounding communities within the greater Detroit metropolitan region.
Green Valley Insurance Agency in Shelby Township, Michigan, distinguishes between single-policy umbrella coverage for one-time needs and recurring protection for ongoing liability exposure. These policies extend existing home and auto insurance limits, covering lawsuits and certain accident claims that exceed primary policy caps. Claims are filed through the agency, which acts as an intermediary between clients and insurers. Service for new policies and adjustments to existing coverage runs on a one-time basis, while policy renewals and periodic reviews of coverage needs operate on a scheduled basis. Claims assistance is provided as needed.
Comparion Insurance Agency provides umbrella insurance services in Shelby Township, Michigan, and the surrounding communities of Macomb County. It handles oversize personal liability coverage that extends beyond standard home and auto policies. For a typical job, the agency reviews the client’s existing policy limits, identifies potential gaps in coverage, then works to secure an additional layer of protection through straightforward documentation. It approaches each case by first confirming eligibility requirements, such as underlying policy amounts, before matching the client to an appropriate umbrella policy from available carriers.
Mansfield Insurance Group in Shelby Township, Michigan, works with clients to structure their liability coverage, offering umbrella insurance as a specialized add-on to standard policies. This extra layer protects assets when primary limits are exhausted, addressing risks that arise from accidents on the property. Its services can assist local businesses in multiple commercial sectors, including offices, warehouses, and food service operations.
Core Insurance Group in Shelby Township, MI provides residential umbrella insurance for homeowners seeking extra liability protection beyond standard policies. Commercial coverage extends to local businesses requiring higher policy limits. Their service area includes Shelby Township and surrounding communities. Agents work with clients to assess risk profiles and coordinate additional liability layers with existing home or business insurance. This service typically involves follow-up consultations and policy adjustments between regular renewal visits, ensuring continued coverage meets evolving needs.
Custom Ins Agency offers specialty services as an umbrella insurance agent in Shelby Township, MI, helping clients secure additional liability coverage beyond standard policies. It provides guidance on protecting assets from major claims or lawsuits, coordinating with primary insurers to ensure seamless protection. This agency serves homeowners, drivers, and property owners in the area who seek broader financial safety nets. It especially assists during severe thunderstorm seasons in southeastern Michigan, when property liability risks from wind, hail, or falling debris often increase.
As rain or snow creates slick roads across northern Macomb County, drivers and homeowners in Shelby Township seek liability defenses that standard policies cannot provide. Hilb Group responds by offering umbrella insurance that layers additional protection above existing auto and homeowners coverage. Their process begins by evaluating a client’s current policies and assets to determine the appropriate total coverage limit. This initial assessment includes a review of property exposure and liability risk from everyday life around the community.
What Does an a Umbrella Insurance Agent in Shelby Township Cost?
In Michigan umbrella insurance typically costs between 150 and 350 dollars per year for one million dollars of coverage. Premiums vary based on your number of vehicles driving record home value and claims history. Adding a second million dollars of coverage usually costs less than the first million. This is general information and not insurance advice.
About umbrella insurance agents in Shelby Township
An umbrella insurance agent in Shelby Township Michigan can help you secure additional liability coverage beyond your auto and homeowners policies. Michigan law requires minimum auto liability limits of 20/40/10 but an umbrella policy provides extra protection against large claims. Local agents understand the specific risks for Shelby Township residents including lakefront properties and high-traffic roadways.
Frequently Asked Questions
What does an umbrella insurance agent do in Shelby Township?
An umbrella insurance agent helps you purchase a personal liability policy that covers claims exceeding your standard insurance limits. They review your assets and risks to recommend appropriate coverage amounts. In Michigan this policy typically pays after your auto or home insurance limits are exhausted.
Do I need umbrella insurance in Michigan?
You may need umbrella insurance if you have significant assets a swimming pool a dog or a high-risk hobby. Michigan is a no-fault state for auto insurance but umbrella policies can still protect against liability lawsuits for bodily injury or property damage. An agent can help you determine if your net worth justifies the coverage.
How much umbrella coverage should I get in Shelby Township?
Most Michigan agents recommend at least one million dollars in umbrella coverage but higher limits are available. The right amount depends on your total assets and future earning potential. An agent will help you calculate a level that protects your savings and property from a major lawsuit.
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