An incident happens
Let’s say your dog bites a passerby, resulting in serious injuries and $600,000 in related damages.
Umbrella insurance you can count on
Coverage that has you covered beyond auto and home insurance.
Coverage for the unexpected
Think of umbrella insurance coverage as an extra safety net that will protect you beyond what your auto or homeowners policy may cover.
How does umbrella insurance work?
Umbrella policies give you an extra layer of protection that goes beyond your standard coverage.
You file a homeowners claim
Your home insurance policy has a liability limit of $500,000 that it pays out.
Your umbrella policy kicks in
Your policy could cover the remaining $100,000 so that you don’t have to pay out of pocket.
What does an umbrella policy cover?
Umbrella insurance doesn’t cover everything, but it may give you extra protection in unexpected ways.
| What is covered | What isn’t covered |
|---|---|
| Personal liability protection | Personal injuries to you on your property |
| Legal defense costs | Illegal activities |
| Protection of assets and future earnings | Intentional acts of harm or damage |
| Coverage when traveling abroad | Business-related claims |
The more you're protected, the more you save
When you bundle policies, you get more of Amica's world-class service for less.
Umbrella insurance FAQs
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.
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.
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.
Umbrella insurance doesn’t just cover the policyholder. It extends to other family members residing in the same household, providing broader protection for your loved ones.
Coverage may vary depending on location.
There’s more to learn about umbrella insurance
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*Based on internal Amica data on representative tenure (Jan. 2024 - Nov. 2025) compared to publicly available industry averages. Individual experience may vary and this statement is not a guarantee of any specific customer outcome or service experience.
**As of Dec. 31, 2025, for Amica auto and home policyholders.*
***A+ (Superior) is the second highest of 13 company ratings. Ratings range from A++ (Superior) to D (Poor). AM Best's ratings measure an insurer's financial strength.
AMIC-05-051527