Umbrella Insurance

Relax knowing you've got extra protection. 

190,000+
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%
customer claims satisfaction

We want the claim process to be a calming one. Your satisfaction is extremely important to us. So when a claim comes in, we'll put your mind at ease and make sure you know you're covered.

UMBRELLA INSURANCE


Here are the benefits of an umbrella policy.

Umbrella extends the personal liability coverage provided by your auto, homeowners, motorcycle, boats, and other personal policies.


Peace of mind

Having umbrella insurance 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, you umbrella liability insurance would kick in to cover these costs.


High limits

Your auto and homeowners policies provide substantial limits, but you may need even more protection. Umbrella limits of $1 million or more can protect you after your current policies have paid their full limits.


Broader coverage

Personal umbrellas pay some losses not covered by your current policies, like the use of an auto in a foreign country, or a rented or chartered watercraft.





Legal defense coverage

The costs of legal defense can be staggering and must be paid even if you win a lawsuit. A personal umbrella pays these fees and doesn’t count it toward your personal umbrella limit of insurance


Save up to 20%

Add umbrella to a package policy

Combine an umbrella with a Road and Residence® policy to get the best value.

Our passion is our customers and it shows.
Our passion is our customers and it shows.

CUSTOMER STORIES


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

Leslie

Lewisburg, TN


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Get answers from our insurance experts.
    • If you live in the north then these past three to four months have seemed like ages. The frigid winter has everyone looking forward to spring break. Even if you live in a warmer area of the country a nice relaxing vacation has to sound great! But what about your home? You don’t want to be stressed or worried about anything going wrong at home while you are away!
    • If you’ve ever had to rebuild your home after a catastrophe, you probably know that reconstruction often costs more than new construction. If you haven’t experienced this, consider yourself lucky—but you should probably tune in anyway. There are many reasons repairs to your home could cost more than building something new.
    • Winter weather can be tough on your vehicle. The cold temperatures bring snow and ice that you have to scrape off. On top of that, salt and sand are used to combat icy roadways. And we can’t forget the slush and snow that you and your passengers are bringing into your vehicle.
    • It is the dead of winter, and you are stuck indoors. Fortunately, you don’t have to wait until it gets warm to tackle a home improvement project! You may be wondering what kind of home improvement projects you can accomplish. With a little motivation, there are actually several indoor projects that could enhance any room.

    • Addie B.
      Author of Home Focus

    • Addie B.
      Author of Home Focus

    • Lisa D.
      Author of Auto Focus

    • Addie B.
      Author of Home Focus

    RESOURCES


    Other things you might be interested in.

    Brochures

    Get an in-depth look at policy coverages, safety tips, and the industry-specific programs Acuity offers.

    Video gallery

    See the latest videos from our experts.

    Glossary

    Check out our glossary to help you understand your policy.


    FAQs


    Have questions? We have answers.


    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.


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


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


    We offer personal umbrella limits of $1, $2, $3, $4, or $5 million.


    ABOUT US

    Get to know us.

    We're rated A+

    Only commercial regional insurer to be rated A+ by both A.M. Best and Standard & Poor's, making Acuity an icon of strength.

    In business since 1925

    Acuity is the 57th largest insurer in the nation and manages nearly $4 billion in assets.

    Happy employees lead to happy customers

    Named #2 on the 2016 FORTUNE "100 Best Companies to Work For®" list.