Umbrella Insurance

Relax knowing you've got extra protection.

223,000⁺
personal customers

We protect hundreds of thousands of cars, trucks, motorcycles, and other vehicles, along with homes, condos, and apartments—keeping the individuals and families who live there protected.

^******

96^%
positive claims experience

We want the claim process to be a calming one. We provide you with a single point of contact who can focus on what you need. So, when a claim comes in, you know we're here for you.

^*****

UMBRELLA INSURANCE POLICY

What does umbrella insurance cover?

An Umbrella policy extends the personal liability coverage provided by your auto, homeowners, motorcycle, boats, and other personal insurance policies. It also provides additional coverages the other policies do not – giving you additional peace of mind.

Financial assets protection

Having an umbrella insurance policy means you don’t have to worry about severe claims or lawsuits. If a claim or lawsuit were to go beyond your home or auto limits, your personal umbrella liability insurance would kick in to cover these costs -protecting your bank accounts, investments, and retirement savings.

High limits

Umbrella insurance begins where your other policies end, providing an additional layer of protection over your homeowners, auto, and other liability insurance. If you have a loss greater than the limits on those policies, umbrella insurance is there to pay.

Broader coverage

Personal umbrella coverages pay some losses not covered by your current policies, like your liability when traveling abroad, doing charity work or renting watercraft, as well as libel and slander.

Legal defense coverage

The costs of legal defense can be staggering and must be paid even if you win a lawsuit. Personal umbrella policies cover these fees and don’t count them toward your personal umbrella limit of insurance.

Package value

Add personal umbrella insurance to an Acuity Road and Residence® or Per-Pak® package policy to bundle your insurance together and get the most protection for you and your wallet.

Why do I need an umbrella policy?

For more information on umbrella insurance and why you need this extra protection, see our article Understanding Umbrella Insurance, written by one of our insurance experts.

Save up to 20%

Add umbrella coverage

Combine an umbrella policy with a package policy to get the best value.

Umbrella or Excess Liability Coverage

Watch this quick video to learn more about excess liability coverage.

BLOG

Get answers from our insurance experts.

5 Tips to Help Prevent Package Theft

Waiting for an important delivery can be exciting, but packages left unattended can become easy targets for theft. Taking a few proactive steps can help improve home security, reduce the risk of stolen deliveries, and provide greater peace of mind throughout the year.

4 Tips to Organize Your Garage for Winter

A well-organized garage can do more than reduce clutter. It can make winter routines easier, help protect valuable equipment, and improve safety when snow, ice, and cold weather arrive. Taking time to prepare your space now can save frustration throughout the season.

7 Tips to Prepare Your Home for Winter

Winter can be tough on homes, but a little preparation can go a long way in protecting your property and ensuring your comfort during the colder months. From checking your heating system to safeguarding outdoor spaces, these tips can help you stay ahead of winter's challenges.

FAQs

Have questions? We have answers.

Isn’t my regular auto and homeowners insurance enough?

Maybe not. You have a lot to lose. The more you own, the more you can lose if someone sues you. In addition to an extra layer of coverage, a personal umbrella policy provides peace of mind.

How does a personal umbrella work?

Once you’ve exhausted the limits on your auto, home, or other policies, your personal umbrella policy will kick in.

Are there requirements in order to get a personal umbrella?

Yes, both your auto and homeowners coverage must be with Acuity, and they must have certain minimum limits.

What limits are available for personal umbrella coverage?

We offer personal umbrella limits from 1 million up to 10 million.

Acuity Insights

“

Acuity staff is extremely friendly and easy to deal with. When we have a claim, they respond immediately.

Leslie