How to Ensure You Have an Appropriate Umbrella Insurance Policy

Chances are you already have auto and homeowners insurance if you own a home. Having an umbrella insurance policy can be a way to protect all your assets and earnings. If you find yourself in a severe bodily injury liability lawsuit or are being slandered, legal fees can be expensive. Umbrella insurance can help you cover expenses and losses from these costly types of proceedings. High Favor Insurance of Birmingham, MI can help with exploring your options to make sure you the right umbrella insurance policy to keep you protected.

If you are interested in keeping all your assets and belongings completely protected, this type of insurance may be right for you.


There are many benefits to having umbrella insurance. It can help cover things regular auto and homeowners policies do not. Some of the benefits are:

  • Renting a property and the liability suits that may follow with renters

  • Bodily injury suits involving your home and guests or individuals that are injured

  • Paying expensive legal fees to defend yourself

  • extensive property damage

Staying Protected

Homeowners and auto insurance will only cover specific amounts of property damage and bodily injury. With umbrella protection, incidents that go beyond typical liability claims will be covered. For instance, if you are in an auto accident, and the other person vehicle is destroyed, your auto insurance may not cover this. An umbrella policy will step in and reduce costs.

If you are interested in getting an umbrella insurance policy, High Favor Insurance in Birmingham, MI can help. Our agents are knowledgeable about umbrella insurance matters and what will be covered. We can help you create a policy that works for you. Give us a call and speak with an agent today to discuss different umbrella insurance options in addition to other insurance you may need.