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.


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





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.


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.
    • Your auto and homeowners insurance policies keep you protected, but  sometimes that isn’t enough. Unfortunately, bodily injury and damages from a bad at-fault accident can quickly exhaust the liability limits of an auto or home insurance policy.
    • Your auto and homeowners insurance policies likely provide substantial liability limits, especially if you already have Acuity insurance, but you may need a personal umbrella policy for complete protection. A typical homeowners policy covers most anything that happens to your home or the belongings inside, but it may not provide the necessary coverage for injuries that occur on your property.
    • In the age of technology and “needing” information now, more consumers are moving to the Internet to get their insurance information instead of utilizing an independent agent. Unfortunately, those who bypass an agent are missing out on valuable expertise and advice without even realizing it.

    • Addie B.
      Author of Home Focus

    • Mike F.
      Author of Home Focus

    • Lisa D.
      Author of Auto Focus

    RESOURCES


    Other things you might be interested in.

    Brochures

    Get an in-depth look at policy coverages 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.

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    In business since 1925

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

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    Happy employees lead to happy customers

    Ranked #9 on the FORTUNE “100 Best Companies to Work For®” 2017 list

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