Lets' say you have a policy for your home and your family's cars.  You have just the right poliy for the apartment you rent our to others as well as coverage for your boating excursions.  Your homeowner's poliicy even has a special, added protection for the business taht your spouse runs out of your home.  While it looks like you have all the coverage you need; perhaps you should consider and umbrella.  An umbrella is a liability that fits over your primary policies.


Umbrellas are designed to be carried over a person's primary (also know as underlying) liability coverage.  Primary refers to the fact that in the event of a loss, the liability portion of your your auto or homeowner coverage is the first to respond.  Umbrellas or exess liability policies respond to an eligible loss only after the primary insurance has paid its limit.


It's quite possible that your primary insurance limits provide more coveage that you'll ever need.  However, circumstances could involve a type of loss that is not completely covered by a primary policy.  for instance, your newly licensed child is driving the family car and slides on an icy highway.  He ends casusing a chain collision damaging several cares and injuring a dozen drivers and their passengers.  Or maybe you often volunteer to help transport members of your son's first grade class on field trips and you have an accident becausse you tried to beat a yellow light.  If you don't have enough primary coverage, any shortage may have to come our of your personal assets. 









Experience the advantages of insuring with NuStar.

As an independent agent we shop your insurance to multiple carriers that will actually compete for

your business.

They compete.....YOU WIN!

We are located in the Consumers Energy Building across from Father Fred.
821 Hastings Street, #4
Traverse City, MI 49686




Local: (231) 932-1900

Text: (231) 357-0763

Toll Free: (866) 654-8555

Fax: (231) 929-7339

Email: helpdesk@mynustar.com

Quotes: quotes@mynustar.com



Or use our contact form.

Report a Claim

Contact us anytime, even outside of our regular business hours:


Local: (231) 932-1900

Toll Free: (866) 654-8555


Or email: helpdesk@mynustar.com


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