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Umbrella Insurance

Trusted coverage from Capitol Insurance Group in Lansing, Michigan.

Umbrella Insurance

Overview

An umbrella policy provides an extra layer of liability protection beyond the limits of your home, auto, and other underlying policies. At Capitol Insurance Group, we help Lansing-area clients understand when an umbrella makes sense and how affordable it can be.

For the cost of a couple of coffees a month, you can add $1 million or more in additional liability coverage. This protects your savings, home equity, and future earnings from a catastrophic lawsuit or judgment.

Why Choose an Independent Agent

Not all umbrella policies are created equal. An independent agent can compare terms across carriers to find the broadest coverage at the best price. We also ensure your underlying policies meet the required limits so there are no gaps in your protection.

Common Coverage Options

$1M–$5M Additional Liability
Bodily Injury Liability
Property Damage Liability
Personal Injury (Libel, Slander)
Defense Costs
Worldwide Coverage
Covers All Family Members
Extends Over Auto, Home, Boat

Frequently Asked Questions

Anyone with assets to protect — homeowners, landlords, parents of teen drivers, boat or pool owners, or anyone at higher risk of a liability claim. It's one of the most cost-effective policies you can buy.
A $1 million umbrella policy typically costs between $150 and $350 per year, depending on your risk profile. Additional million-dollar increments are usually $50-$100 each.
Umbrella policies typically don't cover your own injuries, your own property damage, intentional acts, or business-related liability. We'll explain exactly what's covered and what isn't.
Yes — most umbrella carriers require minimum liability limits on your underlying auto and home policies. We handle this coordination to make sure everything aligns properly.

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