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


BLOG

Get answers from our insurance experts.
    • It seems every room in our home is outfitted with consumer products both large and small. While these items may help you in your day-to-day life, they also can pose a risk. Understanding these risks and how you can prevent them is an important part of being a homeowner.
    • Buying a new car? We are here for you! Whether you are a first-time buyer or an experienced purchaser, buying a new ride is a big decision. Here are 5 car buying tips to help make the journey a smooth one.
    • While you likely have a few more weeks with tinsel and holly decking your halls, we are approaching the post-holiday regrouping season. Many of us have been entertaining, and any resemblance of order escaped us long ago. As our house guests depart and we move into the New Year, we sometimes need a little push to get things cleaned up.
    • Kids know exactly what they want for Christmas. They have no problem writing long, descriptive lists and sending letters to Santa. Whether they want something as simple as a trendy doll or as complicated as a pony, they set their sights on a goal and go after it.

    • Addie B.
      Author of Home Focus

    • Lisa D.
      Author of Auto Focus

    • Addie B.
      Author of Home 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.