Smart Coverage That Picks Up Where Others Leave Off

Personal Umbrella Insurance for Michigan Families

Sometimes, life’s surprises exceed the limits of your standard policies. At Logan Insurance Group, we offer personal umbrella insurance in Okemos, MI and throughout Michigan to give you an extra layer of liability protection—because peace of mind shouldn’t have a cap.

Get started with added liability coverage built for your lifestyle.

What Michigan Personal Umbrella Insurance Covers

Umbrella insurance extends the liability limits of your home, auto, and other personal policies—providing protection when your base coverage runs out.

Extended Liability Protection

Adds additional coverage—often $1 million or more—beyond the limits of your auto, home, or renters insurance policies.

Legal Defense Costs

Covers legal fees if you're sued for injuries, property damage, defamation, or other covered claims—even if you're not found liable.

Coverage for Serious Accidents

Provides vital support after major incidents like car accidents with high medical bills or multiple injured parties.

Slander and Libel Protection

Extends to claims involving defamation, including online comments and social media activity—a growing concern in today’s digital world.

Worldwide Coverage

Follows you anywhere—essential for Michigan families who travel or own property outside the state.

Additional Protection for High-Risk Situations

Essential if you have teenage drivers, a swimming pool, rental properties, or frequently host guests—anything that increases your liability exposure.

Why Personal Umbrella Insurance Matters in Michigan

Your standard auto or homeowners policy might only cover a fraction of a major claim. One accident, lawsuit, or unexpected injury could cost far more than you’re insured for—and leave your assets, savings, and future income at risk.

With Michigan personal umbrella insurance, you stay protected when it matters most—without drastically increasing your premiums.