Umbrella Insurance

Extra protection for life’s what-ifs.

Extend your liability coverage beyond the basics with flexible, affordable umbrella insurance.


Umbrella Insurance is one of the most important ways to protect your property, assets, or business. At The Lapeer Agency, we help clients across Michigan find insurance options that work for their needs and budgets. With nearly a century of experience and access to multiple carriers, we deliver solutions that are tailored—not templated. Whether you’re exploring new policies or reviewing existing coverage, we make the process easy and informed. We take time to explain the details, answer your questions, and recommend options that offer lasting peace of mind. Our local agents are here to help you make confident, well-supported decisions every step of the way. Let’s get you covered the right way.

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What This Insurance Can Cover

Umbrella insurance adds a layer of liability protection to your existing policies. Here's what this extra coverage typically helps with:

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Excess Liability Coverage

Extends the liability limits of your home, auto, and other policies to protect your assets.

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Legal Defense Costs

Covers attorney fees and court costs if you're sued, even if you’re not found liable.

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Libel and Slander Protection

Provides coverage for personal injury claims like defamation or false arrest.

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Worldwide Coverage

Protects you even when you're traveling abroad—something most base policies don’t include.

Frequently Asked Questions

Here are a few of the most common Umbrella Insurance questions we hear from Michigan clients.

  • When does umbrella insurance kick in?

    It activates after you've reached the liability limits on your base home or auto policies.

  • Can it protect me from lawsuits?

    Yes, it’s designed to help cover legal costs and large settlements that would otherwise come out of pocket.

  • Does it cover business-related incidents?

    Not usually. Umbrella policies are meant for personal liability, but we can help you explore commercial options.

  • How much umbrella coverage should I get?

    That depends on your net worth and risk exposure. We'll help you determine what makes sense.