Umbrella Insurance
Extra protection. Beyond standard coverage.
Add a layer of liability protection over your existing policies and shield your assets from the unexpected.
- Liability coverage beyond standard limits
- Protects your savings, home, and future income
- An affordable way to raise your total coverage
Independent & licensed
We compare multiple trusted insurance companies
Free, no-obligation quotes · Se habla español
We compare the auto & home companies you know and trust
What it is
A safety net over everything you own
Umbrella insurance is extra liability protection that sits on top of your auto and home policies.
What it covers
What Umbrella Insurance includes
Every policy is shopped across multiple trusted insurance companies — so you compare real options side by side.
- Excess auto liability
- Excess home liability
- Lawsuit protection
- Asset protection
- Broad coverage
Is it right for you
Who should consider an umbrella policy?
If you have assets or income to protect, umbrella coverage is inexpensive peace of mind.
- Homeowners and people with savings to protect
- Anyone with future income that could be at risk in a lawsuit
- Families with teen drivers or higher liability exposure
- People who rent property, have a pool, or host often
Why American Insurance
An independent agency working for you
We work for you — not the insurance companies — to find the right coverage at the right price.
- We shop multiple trusted insurance companies — you get the best rate, not one company’s pitch.
- Real licensed advisors — no call centers, no pressure.
- Free, no-obligation quotes. Se habla espanol.
Questions
Frequently asked questions
What does umbrella insurance actually do?
An umbrella policy adds an extra layer of liability protection — typically $1 million or more — on top of your auto and home policies. When a serious claim exceeds those underlying limits, the umbrella kicks in so the difference doesn't come out of your savings, home equity, or future income. It's broad, affordable protection for the worst-case day.
Who really needs an umbrella policy?
If you own a home, have savings or future income worth protecting, have teen drivers, a pool, rental property, or any higher exposure, an umbrella is worth a serious look. Lawsuits don't care about your account balance — a single at-fault accident with injuries can exceed standard limits fast. We'll help you decide whether the exposure justifies it.
How much umbrella coverage should I carry?
A common rule of thumb is to carry enough to cover your net worth, and often your future income as well. Limits usually start at $1 million and rise in million-dollar increments, and the cost per additional million is surprisingly low. We'll match the limit to what you actually have to protect.
Why is umbrella coverage so inexpensive for what it covers?
Because it only pays after your auto and home limits are exhausted, the insurer's risk is lower — so a million dollars of extra protection often costs only a few hundred dollars a year. Carriers usually require you to keep certain minimum limits on the underlying policies first. We'll set those up correctly so the umbrella works when you need it.
Does an umbrella cover my home and auto both?
Yes — that's the point. A personal umbrella sits over both your auto and homeowners (or renters) liability, and can extend to things like landlord and watercraft liability. We coordinate the underlying policies so there are no gaps between them and the umbrella.
More auto insurance
Explore other auto insurance options
Ready for coverage that fits your life?
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You’ll speak with Raiza, Daniela, Janalyn or Karla — licensed advisors, not a call center.
- Takes about 60 seconds
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- Licensed advisor
- We compare multiple companies
Prefer to talk now? Call (801) 531-2060.