Umbrella Insurance in Michigan

An umbrella insurance policy is an extra layer of protection that extends beyond the liability limits of your other insurance policies, such as home, auto, and boat insurance. This type of policy can help protect you and your assets in case you are sued for damages that exceed the coverage limits of your underlying policies.

For example, if you are in a car accident and the other driver is injured, their medical bills and lost wages may exceed the limits of your auto insurance policy. Without umbrella coverage, you could be personally responsible for paying the remaining amount out of your own pocket. However, with an umbrella policy, you can have additional coverage to help protect your finances and assets in case of a catastrophic event.

At Steenland Kacos Insurance Agency, we offer umbrella policies to help our clients have peace of mind knowing that they have additional protection against unexpected events. We can work with you to determine the right amount of coverage to fit your specific needs and help you feel confident in your insurance coverage. Contact us today to learn more about how an umbrella policy can benefit you.”


How does auto insurance work?

Auto insurance protects you financially by covering the costs of damage or injuries from a vehicle accident or theft. It is a contract between you and the insurance company, where you agree to pay the premium, and the insurance company agrees to pay your losses as defined in your policy.

What is umbrella insurance?

Umbrella insurance provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies. It kicks in when the liability on these other policies has been exhausted, offering an extra safety net of protection.

Why do I need liability insurance on my policy?

Liability insurance is critical because it covers legal costs and payouts for which you are found legally responsible. Without it, you could be faced with paying out of pocket for costly damages or medical bills.

How can I save on home insurance?

Maximizing savings on home insurance can be achieved by comparing policies, increasing deductibles, and ensuring your home has up-to-date safety features. Regular reviews of your policy can also uncover other potential savings.

What factors affect my auto insurance rates?

Several factors can affect your rates, including your age, driving history, and the type of vehicle you drive. Rates are also impacted by where you live, as different areas have varying risks of theft and accidents.




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Grandville, MI 49418

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