A doodle image of a shield umbrella logo

Personal Umbrella Insurance

  • Quick, easy umbrella quotes
  • Customizable coverage for your unique needs
  • Expert support for all your questions
Learn MoreArrow

Umbrella Insurance for Added Protection

A family washing a car in the driveway

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.*
A dog running with a toy in its mouth

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.
Two couple sitting on two separate quads

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. 
A man driving a car

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.
A woman holding a smartphone

Benefits of Multi-Policy Insurance

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

Start Your Quote

Customize your experience.
Do It Yourself - Start a Quote

Get Started

Learn more about your pricing and coverage options.
Work With An Agent

Work with an Expert

Choose the perfect agent for you and get free, no-pressure advice and pricing.

Our Agents Are Here to Help

Three agent headshots together

1,700 Agents

Experts to help you get — and use — your coverage.
Chat bubble
“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?

  • A doctor and a patient going over documents
    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.*

Trusted by over 12 Million Customers & Counting

a white t-shirt with blue text

90+ Years

Over 90 years in business protecting our customers

12 Million Customers

Reliable, quality coverage for customers across 19 states
a family sitting on the grass

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