Insurance Products >> Personal Umbrella
& Mobile Homeowners
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Umbrella policies supplement the liability coverage you already have through your home and auto insurance, and provide an extra layer of protection.
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:
- Recreational Motor Vehicles
- Rental Dwellings
- Home Business
- Farm Liability
Package Discount – a discount applies to the umbrella line of business when both the personal liability and personal automobile is written with Michigan Insurance Company.
- Mature Credit
Receive a discount when a named insured is age 40 or older. This is only available for Group risks.
- Group Discount
Members of a qualified group receive a discount.. Ask your agent for a list of available groups.
The umbrella may be added to your existing automobile or homeowner policy.
Numerous convenient payment plans available, including monthly EFT.