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Personal Umbrella Insurance

  • Quick, easy umbrella quotes
  • Customizable coverage for your unique needs
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Umbrella Insurance for Added Protection

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What is umbrella insurance?

An umbrella policy provides an extra layer of liability protection when you’ve exhausted your other policies' limits. It helps cover outstanding costs to protect your finances and keep your dreams alive.*
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Your Pet Accidentally Injures Someone

Suppose your dog runs off and crashes into a bicyclist. The rider is seriously injured with medical bills exceeding the limits of your primary liability coverage. Umbrella insurance helps cover the remaining medical expenses and repairs up to your coverage limits.
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You Cause an ATV Collision

While ATV riding with friends, you accidentally hit another rider. It causes thousands of dollars in damages, exceeding your ATV policy's liability limits. In that case, your umbrella insurance can help cover the difference up to its limit. 
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Your Spouse Causes an Accident

Your partner accidentally hits the gas pedal instead of the brake resulting in an injury and serious property damage. When your auto coverage runs out, your umbrella policy can help with the rest of the damages and hospital bills.
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Benefits of Multi-Policy Insurance

Organize and access all your policies with the MyAmFam app. Save money with our bundling and multi-policy discounts.** 

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“I have made several claims throughout my 14 years with them, and never once did I get the feeling I was being short changed.” - David, Colorado

What does umbrella insurance cover?

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    Bodily Injury Liability
    Suppose you cause a serious car accident, and the medical expenses total $700,000, but your auto coverage limit is $500,000. You would be responsible for the remaining $200,000 out of pocket. Having a $1 million umbrella policy would cover the balance.*
  • A couple of people riding snowmobiles at dusk
    Property Damage Liability
    If, during that serious car accident, you cause damage to multiple vehicles, and the resulting damage goes above your auto policy limit, your umbrella insurance may cover the difference (up to your umbrella policy limit).*
  • Two people riding snowmobiles separately
    Personal Injury Offenses
    If you post false information about someone online, they could sue you for defamation of character. Having umbrella coverage can help pay for any costs resulting from the lawsuit. This means any settlement or costs related to your defense, including attorney’s fees, may be covered.*
  • Two snowmobiles riding around each other
    Landlord Liability
    Suppose a tenant is injured on your rental property due to something you, as the landlord, are held liable for. In that case, your umbrella insurance can cover the tenant’s injuries and loss of wages above your primary insurance for the rental property (up to the Umbrella policy limit).*
  • A person riding a snowmobile alone in an open area
    Defense Costs
    Your umbrella liability policy can cover your attorney fees and other related costs if you are sued due to an accident you caused.*

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Over 90 years in business protecting our customers
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12 Million Customers

Reliable, quality coverage for customers across 19 states

Umbrella Policy Guidance

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Umbrella Insurance Info

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More Umbrella Policy Info

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Types of Umbrella Insurance

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Custom Umbrella Insurance Quote

  • Affordable coverage that fits your budget
  • No-hassle account management with the app
  • Award-winning customer service from your local agent
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The information on this web page represents only a brief description of coverages and may or may not be part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts may only apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.

Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options.

*Descriptions provided here offer general information regarding umbrella insurance. The full scope of liability umbrella coverage is subject to the umbrella policy provisions. To qualify for personal liability umbrella insurance, you must meet minimum liability limits for all applicable underlying policies, such as auto, home, renters, boat and recreational vehicle.

**Discount and savings amounts and product eligibility will vary by state, property type, policy form and company underwriting the auto and/or homeowners policy. Discounts may not apply to all coverages on an auto or property policy. Discounts do not apply to a life policy. Some restrictions may apply.