Umbrella Insurance
Umbrella insurance provides you with additional liability coverage that can help protect you and your assets in case of a serious loss. It’s extra protection beyond the coverage your auto or home insurance policy already provides. An umbrella policy also offers some protections not covered by other policies.
Think of umbrella insurance coverage as an extra safety net that will protect you in case a serious incident exceeds the coverage limits of your other policies. While we all hope a major loss will never happen to us, we can’t predict the future. Umbrella insurance is an affordable solution that offers you the peace of mind of knowing that you have extra protection in place.
How umbrella insurance works
Let’s say your dog bites a passerby, resulting in serious injuries and $600,000 in damages. If your home insurance policy has a liability limit of $500,000, an umbrella policy could cover the remaining $100,000. Without it, you may be responsible for paying the outstanding amount yourself.
Understanding umbrella insurance coverage
Umbrella insurance provides an additional safety net that layers protection on top of the liability coverage you have through your home and auto policies. But it offers protection beyond that as well.
- Personal liability protection: Extends coverage beyond the liability limits of your auto and home insurance policies for claims resulting in property damage, bodily injury and/or personal injury.
- Legal defense costs: Coverage for a defense if a claim or a suit brought against you for bodily injury, property damage, libel, slander or defamation of character.
- Assets and future earnings: Helps protect your savings and future earnings from potential liabilities.
- Worldwide coverage: For those who travel out of the country, a personal umbrella policy can provide coverage for losses you may be liable for abroad, like if you cause a car accident while on vacation.
What isn’t covered by umbrella insurance?
While umbrella insurance provides extensive protection, it’s important to understand its limitations. Umbrella policies typically don’t cover:
- Your personal injuries or damage to your own property
- Intentional acts of harm or damage
- Illegal activities
- Business-related claims or liabilities
- Rental properties (unless explicitly included in your policy)
This list isn’t exhaustive, so it’s important to consult with your insurance representative about specific exclusions and situations.
Umbrella insurance discounts and savings
Insurance discounts make it easier to secure the coverage and financial protection an umbrella policy provides, all while staying within your budget.
Why choose Amica?
The Amica experience means we provide reliable insurance coverage built on transparency, integrity and dependability, backed by our award-winning claims and customer service teams. With over a century of financial stability, we offer peace of mind, assuring policyholders that we’re a firmly established and trustworthy insurance provider.
Exceptional value
Insurance built on empathy means you’re at the forefront of everything we do. Our policyholders benefit from discounts and rewards programs, allowing for lower rates without compromising coverage. With Amica, you’ll receive the best for the life you’ve built.
Quality service
We provide prompt, personalized attention for claims, policy management and more. Our dedicated support team ensures customer satisfaction, understanding your needs and offering empathetic, effective service at every stage.
Reliable protection
Experience industry-leading claims resolution and customer service with minimal disruption. Amica policyholders can manage claims easily via the Amica mobile app and access advanced tools for proactive protection, allowing for a seamless insurance experience.
Common questions about umbrella insurance
No matter where you are in life, unexpected events can be financially devastating if you’re unprepared. Injuries on your property or damages caused by pets could exceed policy limits. Owning multiple properties increases liability risks and potential for costly accidents. While auto insurance covers liability, it might be insufficient in severe accidents. In our litigious society, even cautious individuals may face expensive legal battles. Umbrella insurance provides extended coverage beyond standard policy limits.
Umbrella insurance doesn’t just cover the policyholder. It extends to other family members residing in the same household,1 providing broader protection for your loved ones.
The amount of coverage you need depends on your assets, income and potential liability risks. A good rule of thumb is to try and match your coverage to your net worth or future earning potential to ensure you’re fully protected against significant liability claims.
We’re here to help you find the right level of umbrella insurance coverage to fit your needs and budget. For less than a dollar a day, you can add $1 million of personal umbrella insurance coverage.
Additional insights and guidance
Customer service that earns loyalty
Empathy isn’t just a word – it’s woven into every interaction with our policyholders. Their experiences are a testament to the trust and loyalty built over decades of compassionate service and support.
Get an Umbrella Insurance Quote.
1 Coverage may vary depending on location.
AMIC-01-121724