Extra Liability Protection for Life's Unexpected Risks
Even with strong home, auto, or business insurance, life can present situations where standard liability limits aren't enough. Umbrella insurance offers an extra layer of financial protection, helping shield your savings, assets, and future earnings from major claims or lawsuits.
At the Rich Merso Insurance Agency, we provide clear, high-trust guidance to help Michigan families secure affordable, high-limit coverage backed by Farmers® Insurance.
Our goal is simple: premium, worry-free protection delivered with honest, budget-conscious advice.
Contact UsWhy Umbrella Insurance Matters in Michigan
Standard insurance policies include liability limits - but serious accidents or claims can exceed those limits. When that happens, your personal assets may be at risk.
Umbrella insurance helps protect you from:
- Significant injury claims
- Major auto accidents
- Property damage lawsuits
- Personal liability incidents
- Accidental injuries on your property
- Defamation, slander, or libel claims
- Legal defense costs
This essential coverage provides peace of mind for families, homeowners, landlords, and anyone seeking added security.
What Umbrella Insurance Covers
We help you build extra liability protection that sits on top of your existing policies.
Additional Liability Limits
Extends your home, auto, or rental property liability coverage.
Coverage Beyond Standard Policies
Applies when the underlying coverage isn't enough.
Legal Defense Costs
Covers lawyer fees, settlements, and court expenses.
Protection for Serious Incidents
Helps protect savings and future income in high-exposure situations.
Extended Protection for Your Household
Often covers family members living in the same household.
Optional Add-Ons
Coverage for rental properties, Coverage for watercraft or recreational vehicles, Protection for specific high-risk exposures.
We ensure your umbrella policy aligns perfectly with your existing coverage.
Why Michigan Families Choose the Merso Agency
Clear, Honest Explanations
We walk you through exactly how umbrella insurance works and why it matters.
Premium Protection at an Affordable Cost
Umbrella coverage offers high-limit liability at a surprisingly low price.
Local Experts with Statewide Reach
We serve clients in Midland, Auburn, Saginaw, Bay City, and throughout Michigan.
High-Trust Support for Complex Decisions
Liability risks can be confusing - but we make it simple and stress-free.
Coverage Tailored to Your Lifestyle
We evaluate your needs and ensure your underlying policies align with your umbrella limits.
Bundle & Save Opportunities
Farmers® umbrella insurance can often be bundled with:
- Home insurance
- Auto insurance
- Landlord/rental property insurance
- Recreational vehicle policies
Bundling helps ensure coverage alignment - and unlocks additional savings.
Who Should Consider Umbrella Insurance?
Umbrella coverage is recommended for anyone who wants extra protection, especially:
- Homeowners
- Parents or families with teenage drivers
- High-income earners
- Rental property owners
- Business owners
- Frequent hosts or entertainers
- Individuals with significant savings or assets
- RV, boat, or motorcycle owners
If you interact regularly with people, drive often, or own property, umbrella coverage is a smart, cost-effective safeguard.
Get a Personalized Umbrella Insurance Quote
Protect your financial future with affordable, high-limit liability coverage tailored to your lifestyle.
Work with a local, trusted Michigan Farmers® Insurance agent who puts your long-term protection first.