Personal Lines
Personal Lines Insurance: The Coverage Michigan Residents Forget
Umbrella policies, scheduled valuables, and other specialty personal lines that fill the gaps your standard auto and home policies leave behind.
Clutch Risk
Jun 2, 2026
Beyond Auto and Home
Most people think of insurance as just car and house coverage. But standard policies have limits and gaps, and a handful of specialty personal lines exist to fill them. Here are the ones Michigan residents most often overlook.
Umbrella Insurance
An umbrella policy adds liability protection above the limits of your auto and home policies — typically in $1 million increments. If you're sued after a serious at-fault accident and the damages exceed your auto liability limit, an umbrella picks up the difference and protects your assets. It's inexpensive relative to the protection it provides.
Scheduled Valuables
Homeowners and renters policies cap how much they pay for jewelry, watches, firearms, cameras, and collectibles. Scheduling these items individually (with an appraisal) insures them for their full value, often with no deductible and broader coverage for things like accidental loss.
Other Specialty Lines
Depending on your situation, you may also benefit from coverage for boats and watercraft, RVs, powersports, identity theft, or valuable personal articles. Each fills a gap a standard policy leaves open.
How Clutch Risk Helps
We review your full picture and flag the gaps before they become a problem — then shop the right specialty coverage across our carriers. Call 269-400-4834 or email go@clutchrisk.com to start.
