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IPS / Lighthouse Insurance Group Blog: livonia

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Livonia Umbrella PolicyThe premium on my personal umbrella liability insurance policy increased halfway through the policy term. My insurance agent says it’s because I added a teen driver. This doesn’t seem right since our son is a good student and is covered by our auto insurance policy.

Umbrella coverage works hand in hand with your auto and home insurance. For example, if you are in an auto accident and badly injure or kill another, you can easily exhaust the bodily injury limits of your auto insurance policy. When that happens, your umbrella policy steps in and pays the extra expense you owe, up to the umbrella limit, which is usually $1 million.

As a group, teenagers have the greatest accident rate of any drivers, and auto accidents are principal cause of teen deaths. There are many reasons for these data: teens are easily distracted by electronic devices (mp3 players, cell phones, etc.), they are more inexperienced drivers and they usually engage in riskier behaviors. However, there are precautions you can take to keep your son safe behind the wheel. If your state doesn’t restrict cell phone use and texting while driving or impose curfews and passenger limits for young drivers, you can set limits on those activities yourself.

With time and a good driving record, your son’s auto and umbrella insurance premiums will decrease. Meanwhile, you can get a lower overall rate for your family’s insurance by buying your auto, home and umbrella coverage from the same insurance agency. Also ask about good student and other relevant discounts. Increasing your auto and/or home deductibles is another way to make insurance more affordable, but make sure that you can actually afford to pay these deductibles.

To learn more about Livonia umbrella liability insurance contact us at 800-220-5582 or get a free umbrella liability insurance quote.

734.421.9900  |  800.220.5582  |


A Declarations Page is the part of a policy that lists your particular information.  For instance, a homeowners’ declaration page will list your name, the home address, your policy number, the effective and expiration date of your policy, the premium for the coverages you have purchased and the limits of each of those coverages.

Insurance documents3 of the most common terms you may find on your Declarations Page:
  1. Named Insured – this is the individual or business that is recognized as the insured party.
  2. Additional Insured – an additional insured is someone listed on your policy because certain coverages on the policy can be afforded to them.  For instance, if you lease a vehicle, the leasing company may require to be listed as an additional insured.  The leasing company is still the owner of the vehicle; therefore, they can be liable for damages caused by the vehicle.  Being listed as an additional insured on your policy will trigger your policy to afford some coverages to the leasing company in the event they are subjected a suit involving the vehicle.
  3. Endorsements – There can be circumstances where changes need to be made to the standard policy language.  Instead of rewriting the entire policy, the insurance company includes endorsements to the policy.  They are essentially amendments made to the insurance contract that can change the coverage or terms of the policy.  Your Declarations Page will list which endorsements apply to your policy.


Livonia is a city in the northwest part of Wayne County in the U.S. state of Michigan. Livonia is a very large suburb with an array of traditional neighborhoods (most of which were built in the 1950s and 1960s) connected to the metropolitan area by freeways. The population was 96,942 at the 2010 census, making it Michigan's 9th largest municipality. The municipality is a part of Metro Detroit, and located approximately 13 miles (21 km) northwest from downtown Detroit, and less than two miles (3 km) from the western city limits of Detroit (Redford Township lies in between the two).

Insurance Planning Service

At Insurance Planning Service, a family-owned business since 1957, we are a full service insurance agency offering home, auto, life, health and business insurance with professional and personal service.  As a firm of proven experts, we are caring and conscientious people - the kind of people that you can depend on.  Each member of our sales and service team is a licensed insurance professional. Contact us at (800) 220-5582 for get a free Livonia insurance quote or visit our office.


We are excited that our new website is now up and running!  We invite you to tour the site - it contains a lot of valuable information and ways to easily get a quote for any form of insurance including auto insurance, home insurance, business insurance and more.  Thanks for vising!

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Lighthouse Group Main Office in Grand Rapids, MI
Mailing Address | P.O. Box 530009, Livonia, MI 48153

Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake