The top-rated umbrella insurance agent in Village of Clarkston, Michigan is The Ryan Insurance Agency, rated 5.0 stars across 169 reviews. Other highly rated options include Farmers Insurance - Kurt Urch, Oakland Insurance, Rossell Agency. This directory lists 17 umbrella insurance agents serving Village of Clarkston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Ryan Insurance Agency | 7151 N Main St Ste. 103 | (248) 403-8591 |
| 2 | Farmers Insurance - Kurt Urch | 6160 Dixie Hwy Ste 210 | (248) 297-6020 |
| 3 | Oakland Insurance | 8055 Ortonville Rd | (248) 647-2500 |
| 4 | Rossell Agency | 5850 Dixie Hwy Ste C | (248) 605-0060 |
| 5 | Dave Smith - State Farm Insurance Agent | 7217 Sashabaw Rd | (248) 625-2414 |
| 6 | McNeil Agency Inc | 5730 Bella Rosa Blvd Ste #300 | (586) 731-1180 |
| 7 | Farmers Insurance - Michelle Houck | 3983 S Ortonville Rd Ste B | (248) 625-8122 |
| 8 | Farm Bureau Insurance | 9282 Dixie Hwy | (248) 922-1994 |
| 9 | Uzzle-McMurray Agency: Allstate Insurance | 6684 Dixie Hwy Ste D | (248) 625-5880 |
| 10 | Al Bourdeau Insurance Agency | 6100 Dixie Hwy Ste C & D | (248) 623-4400 |
The Ryan Insurance Agency serves clients in Village of Clarkston, Michigan, and the surrounding Oakland County area, specializing in umbrella insurance for added liability protection. This coverage extends beyond standard auto and homeowners policies to safeguard personal assets against major claims or lawsuits. The agency works with local homeowners and drivers to assess their risk exposure for excess liability needs. It handles personal umbrella policies designed to supplement underlying insurance limits for substantial liability incidents.
Farmers Insurance - Kurt Urch provides umbrella insurance coverage in the Village of Clarkston, MI area. This type of policy extends additional liability protection beyond standard home and auto insurance limits. The agent helps clients select appropriate coverage amounts and reviews existing policies to ensure adequate protection. Service plans include annual policy reviews and claims assistance to address any coverage gaps. The firm services single-family homes, apartments, retail locations, and restaurants needing extra liability safeguards against major lawsuits or property damage claims.
Homeowners, businesses, and property managers throughout the Village of Clarkston, MI rely on Oakland Insurance for expert umbrella insurance agent services. This agency helps clients secure additional liability coverage that extends beyond the limits of standard home or auto policies, protecting assets and future income from major claims or lawsuits. Whether safeguarding a single rental property or a larger commercial portfolio, the agency focuses on assessing unique risk profiles and tailoring policies accordingly. Its coverage solutions also serve nearby communities throughout northern Oakland County.
Serving the Village of Clarkston and the surrounding communities of Oakland County, Rossell Agency handles personal umbrella insurance policies designed to provide additional liability coverage beyond standard home and auto limits for local residents. The agency works with clients to assess their liability exposures for vehicles, rental properties, and watercraft. For a typical job, it evaluates the coverage gaps in existing policies and coordinates with primary carriers to secure a seamless layer of added protection.
Dave Smith, a local umbrella insurance agent in the Village of Clarkston, MI, helps clients understand that their primary policies may cover only specific, limited incidents, while umbrella insurance provides broader liability protection extending well beyond those underlying policy limits. This coverage can safeguard assets against particularly large claims or lawsuits. The agent evaluates a client's entire risk profile to design appropriate supplementary protection. Service runs on an as-needed basis, with policy reviews and updates typically occurring when clients renew their existing home or auto insurance.
McNeil Agency Inc offers umbrella insurance agent services, providing extra liability coverage beyond standard policies. It assists Village of Clarkston, MI clients by evaluating their existing auto, home, or watercraft policies for potential gaps that a personal umbrella policy can fill. The agency advises residents on increasing their protection against large claims or lawsuits that might exhaust underlying limits. As winter ice storms create hazardous driving conditions in the area, it helps drivers secure added financial safeguards for accident-related damages an auto policy alone cannot cover.
As winter ice and spring thaws make paths treacherous across Clarkston’s neighborhoods, Farmers Insurance - Michelle Houck helps property owners guard against accident claims with personal umbrella policies. These plans extend liability coverage beyond standard home and auto limits, offering vital financial protection for Village residents who host gatherings or employ domestic help. The process begins with a straightforward review of existing insurance limits, followed by a free, in-home assessment of the client’s property and lifestyle risks to determine appropriate umbrella coverage.
Farm Bureau Insurance serves the Village of Clarkston, Michigan, and the surrounding Oakland County area as a provider of umbrella insurance agent services. This agency helps clients secure additional liability coverage that extends beyond the limits of standard homeowners and auto policies. Such protection is designed to cover large claims or lawsuits that could otherwise threaten personal assets. Specific services handled here include guidance on policy exclusions and assistance with coverage limits for rental properties or recreational vehicles.
Al Bourdeau Insurance Agency is known for providing umbrella insurance coverage to residents and businesses in the Village of Clarkston, Michigan. Its services extend beyond standard policies to offer added liability protection that kicks in when primary insurance limits are exhausted. This coverage helps safeguard assets against major claims or lawsuits. As a local agent, the agency can assess individual risk factors to recommend appropriate liability limits. A specialty service the agency can add on is personal liability umbrella policies for homeowners with significant property or recreational assets.
What Does an a Umbrella Insurance Agent in Village of Clarkston Cost?
Typical umbrella insurance costs in Michigan range from 150 to 300 dollars per year for 1 million dollars in coverage, with additional millions costing less per increment. Factors like your driving record, number of properties, and claims history affect the premium. This is general information and not insurance advice.
About umbrella insurance agents in Village of Clarkston
Umbrella insurance agents in Village of Clarkston Michigan help residents secure extra liability coverage that goes beyond standard home and auto policies. This type of policy is especially useful for homeowners near lakes or with recreational vehicles, common in Oakland County. Michigan law requires minimum auto liability limits, but an umbrella policy can provide additional protection against large claims or lawsuits.
Frequently Asked Questions
What does an umbrella insurance agent do in Village of Clarkston?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that covers claims exceeding your primary insurance limits. They assess your assets and risk factors like property size or watercraft ownership to recommend appropriate coverage amounts.
How much umbrella coverage do I need in Michigan?
Most agents recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your net worth and potential liability risks. Michigan law does not require umbrella insurance, but it is often required by lenders for high-value properties.
Can I get umbrella insurance if I have a pool or trampoline in Clarkston?
Yes, but you may need to meet certain safety requirements such as fencing or supervision rules. Michigan premises liability laws apply, so having umbrella coverage can protect you if a guest is injured on your property.
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