Menu
Menu
How Umbrella Insurance Protects your Family
Umbrella insurance is a form of liability “excess” insurance that pays for damages and claims that exceed the limits of your home, auto or other policies. In essence, Umbrella Insurance is excess coverage above and beyond what your regular insurance policies already provide.
Umbrella insurance provides an additional layer of protection over many different types of liability issues that can arise during your lifetime, including:
- Accidents
- Lawsuits
- Business litigation
In effect, when you have an Umbrella Insurance policy in place, it acts as a financial safety net that will help protect your assets from claims and liabilities arising from your actions or inactions.
Types of Liability Claims Covered by an Umbrella Policy
Depending on the type of Umbrella Insurance policy you choose, your coverage can include claims for almost any type of liability issues that could arise. Some of the most common types of claims that an umbrella insurance policy can protect against include:
- Lawsuits related to employment issues
- Medical bills after an accident or injury
- Personal injury lawsuits resulting from an accident
- Damage to another person’s property from your negligence
Some insurance companies offer umbrella insurance policies that also provide coverage for additional types of claims, such as:
- Dog bites or other animal attacks
- Identity Theft
How much Umbrella Insurance do you need? It depends on you and your family. To make sure you have adequate coverage without taking a bath on premiums, we’re happy to sit down with you and walk you through your choices at no charge. Click below and let’s get started.
Other
Policies
Great service and integrity.
John Mathers
Great insurance agent and very helpful!
Leanna Khemmoro
Joe saved me money from day one and the customer service I have received is off the charts. I highly recommend Joe for all your insurance needs
B S
Professional and friendly!!
Anthony Timko
Very patient
Cierra Reed
I have been working with Tony and Joe for over 5 years now. Tony is the most prompt, professional agent that I’ve ever had. He returns calls and responds to emails within minutes. If I need a document, it’s in my inbox before I even hang up. When they left State Farm, I waited for my policy to expire and then I followed Tony and Joe. I’m glad I did because they saved me even more money. Mind you, they are on the east side of the state, and I’m on the west side. I could find any agency for insurance, but I stay with Tony because of his great service. I would definitely recommend them to everyone.
liz detz
The most responsive and professional agents I have ever dealt with. In my experience, they always find the best rates and reply to emails right away.
Wedgehead 101
Joe always explains everything in detail which makes it easier. Purchasing insurance products can be stressful, but here, the process is smooth.
Y Har
Joe is a pleasure to work with. He is always well prepared & efficient, and very pleasant!
Sheryl Yezzi
Joe and Tony have always taken such good care of me. So friendly and professional!
Kayla MacDonald
When there is a change in policy pricing or coverage from the corporate office, Joe or his staff calls to explain the change in clear, easy-to-understand terms. The staff including Joe is very warm, professional and knowledgeable. We have been very happy with our service.
Sara Braverman
Every time I talk to Tony and Joe it's been a very positive experience. They always take the time to explain things thoroughly, so you can make an informed decision. They respond and take care of any issues very quickly.
Damir Sugar
State Farm agent Joe Halabicky and his staff are very professional, friendly and always willing to assist you with your insurance needs. Easy to communicate with, will work with you to ensure good quality and good value.
Dave Hylko
Absolutely GREAT products and service from this top notch insurance agency! Highly recommended!
Gregory Caswell
Great customer service!! They helped me get the best deal!
leslie timko
Joe and Tony are awesome! They're are very friendly and caring. A couple of years ago my son was hit by a car (he doing alright now) and when I came in to discuss my policy, Joe was so compassionate and concerned about my son. I just found that so awesome and I'll never forget the sincerity and kindness he showed me during that time.
Latisha Williams
I LOOOOOOOOOOOOOOOOVE Tony and Joe!!!!!! They have taken care of me from the very first conversation we had! I live downriver and still choose my guys in Novi!
Danielle Baker
Joe and his team are awesome. Can't say enough how responsive they are for us! Highly recommend!
Rachel D'Amico
Joe and his team are the best agency I’ve dealt with. They are quick and courteous. I highly recommend them for your insurance needs
Steve Chevalier
Great staff! Very helpful and friendly. I highly recommend Joe Halabicky and State Farm!
denise polasky
Customer for years and never any issues getting questions answered, return phone calls, competitive rates or documentation needed for banks. Saved a lot of money thanks to this office on home, auto and life insurance.
Kevin Kelly
Joe and his staff have been fantastic in helping my family finding the right coverage. They are honest and timely. I would highly recommend this agency!
Lisa Nelson
Joe and his office have always been super fast and accommodating to myself and my family. Which is greatly appreciated because most companies are not about customer service anymore, but they are.
amy marietta
Joe is a great person to work with and is just a genuinely nice guy. Joe helped take a water damaged kitchen and turn it into a quick and easy restoration. The kitchen and dining area is now even better than before! Oh and making sure I got a check promptly for the work done was great too...Thanks again Joe!
John Douglas
Treated well and they work hard for you
Greg Hartle
Joe and his team are extremely service oriented. Joe reviewed my coverage and made perfect recommendations for my family and our current life situations. His prices are extremely competitive yet give me better coverage than I had previously with another company. He's always prompt in answering my questions and genuinely concerned about the welfare of my families insurance needs. I always recommend him to friends, co-workers and family.On another note I would never have guessed that State Farm did mortgages. Joe handled a new mortgage for us this summer and we got the best interest rate and closing costs I could find with excellent service and expediting of our mortgage. Really great experience! Very thankful I gave them our business.
Pat Kopf
Joe assisted my family with multiple polices (auto, home, health) that protected us and made sense. He took the time to go over each policy and explain coverage details and why we should or should not have certain items in the coverage. We were able to save $ with Joe and put that toward other family expenses. Thanks Joe.If your not talking to Joe about insurance coverage or how he could customize a plan to suite your needs...your simply making a business mistake that could cost you $ and time. Be smart and let him help you with your insurance needs.
J.D. Concepcion
Joe helped my husband and I with our first home mortgage and he is our insurance agent. He's been very accessible and patient with us as new homeowners. I would definitely recommend him!
J Lee
