Unique features of the Personal Umbrella Policy include:

• World Wide Coverage
• Defense Costs are paid by the Company for:
  • Any expenses incurred by the Company
  • Court costs in any suit the Company defends
  • Premium on certain types of bonds
  • Up to $100 per day for loss of earnings while the insured is testifying in court
  • Limits from $1 Million to $5 Million.

Enhancements may be purchased for an additional premium to include overlying coverage for:

• Watercraft
• Recreational Motor Vehicles
• Rental Dwellings
• Home Business
• Farm Liability

Policy Credits:

• Multi-Policy Credit
  Insure either your primary auto and/or your personal liability with Michigan Insurance and receive a 5% discount.
  
  
• Mature Credit
  Receive a 5% credit when a named insured is age 30 or older. This is only available for Group risks.
  
  
• Group Discount
  Members of a qualified group receive a 2% credit. Ask your agent for a list of available groups.

The umbrella may be added to your existing automobile or homeowner policy and the term may be written for either 6 or 12 months.