Umbrella insurance picks up where your underlying policies stop — plus scheduled coverage for jewelry, firearms, and other valuables that standard policies cap. Independent guidance for Michigan households.
Compare umbrella optionsUmbrella coverage makes sense for Michigan households with assets or income worth protecting from a large liability claim: homeowners, landlords, boat and RV owners, drivers with teen drivers on the policy, and anyone whose net worth exceeds their auto and home liability limits. If a serious at-fault accident or an injury on your property led to a judgment above your underlying limits, an umbrella policy is what stands between that judgment and your savings, home equity, and future wages.
Paired with an umbrella policy, scheduled valuables coverage (sometimes called a personal articles floater) covers specific high-value items — engagement rings, watches, firearms, art, collectibles — at agreed values, without the per-item caps and deductibles of a standard homeowners policy.
Michigan's auto liability environment makes umbrella coverage worth a serious look. While no-fault PIP handles your own medical costs, you can still be sued for pain and suffering in serious injury cases and for economic damages above no-fault benefits. Michigan juries can and do award damages above typical auto liability limits. Most umbrella carriers require minimum underlying limits on your auto and home policies — commonly 250/500 on auto — so adding an umbrella sometimes means adjusting your base policies too. We review the whole stack so the layers actually connect, with no gap between your underlying limits and where the umbrella starts.
As an independent Michigan agency, we compare umbrella and valuables options across our carrier access points and check that your underlying auto, home, boat, and RV limits meet each carrier's requirements. One conversation usually covers your whole liability picture — and umbrella coverage is often less expensive than people expect for the protection it adds.
A common starting point is enough to cover your net worth plus a margin for future earnings. Policies are typically sold in $1M increments. We help you weigh limits against premium so the choice is deliberate, not a guess.
It can extend liability above your boat or RV policy limits, provided those policies are scheduled as underlying coverage and meet the carrier's minimum limits. Tell us everything you own with a motor — it all matters for the umbrella.
Premiums vary by household — drivers, properties, toys, and claims history all factor in — but umbrella coverage generally costs far less per dollar of protection than any other liability coverage you carry.
Standard homeowners policies cap theft coverage for jewelry, often around $1,500–$2,500 total. Scheduling items at appraised value covers them for loss, theft, damage, and sometimes mysterious disappearance, usually with no deductible.
Often yes, though some carriers require the underlying auto policy in-house. As an independent agency we can find umbrella markets that accept split underlying policies — or quote the bundle both ways.
No pressure. We'll map your current limits, show where an umbrella would attach, and compare available options.
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