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Atlas Insurance Agency

520 E. 4th Street
Royal Oak, MI 48067

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Do I Need Umbrella Insurance in Southeast Michigan?

Do I really need umbrella insurance? This is one of the most common questions asked by our Southeast Michigan clients looking for liability coverage. The answer to this question isn’t a simple yes or no. If you want to find out more, keep reading on as Atlas Insurance Agency helps you understand whether you need umbrella insurance.

What is umbrella insurance?

Umbrella insurance is the extra liability insurance that takes over when your current liability coverages run out. Yes, you might have auto, home, or boat insurance, but they can only protect you up to a certain limit. In case of significant claims, these coverages are likely to run out, putting your assets at stake.  

Do you need umbrella insurance?

To determine if you need umbrella insurance, here are some questions to consider.

  • Do you own a pet that can bite?
  • Are you or your family member in the social media space?
  • Do you participate in risky hobbies like hunting or skiing?
  • Do you own significant investments?
  • Are you a youth coach?
  • Do you own a vehicle or a boat?

If your answer is yes, then you need umbrella insurance to protect you when faced with significant liability claims. With lawsuits rising in America, you need an extra layer of liability protection beyond your typical liability coverages. This way, your assets are safeguarded against liabilities not covered by your current liabilities.

Umbrella insurance exclusions

Umbrella insurance covers you against many perils but won’t protect you against the below:

  • Injury to oneself
  • Damage to own property
  • Intentional or criminal acts
  • Liabilities arising from unfulfilled contractual obligations

Get umbrella insurance today

Are you looking for umbrella insurance to boost your liability coverages in Southeast Michigan? Contact Atlas Insurance Agency, and one of our team members will help you choose umbrella insurance that protects you and your loved ones.