Umbrella
Your home and auto policies are designed to protect you from unexpected events that may come your way. But what if you’re faced with a lawsuit that exceeds the limits of your policy? An Auto-Owners Personal Umbrella policy provides comprehensive liability protection designed to cover you above and beyond the limits of your standard policies. With several limit options available, we can tailor the policy to your unique needs.
Your independent agent will help you choose the right coverage, so you can be certain that you’re protected. Find your local independent agent representing Auto-Owners today!
Coverages
Large Limits of Liability
Umbrella protection is available with coverage limits up to $5,000,000 (higher limits may be available, but are subject to underwriting approval).
Legal Defense
Court cases can quickly cost large amounts of money. An umbrella policy can protect you from personally incurring these expenses.
Personal Injury Protection
Provides protection against claims or suits brought against you, such as: libel, slander, false arrest, mental anguish, defamation of character, invasion of privacy, false imprisonment and wrongful eviction.
Worldwide Coverage
Provides coverage for losses that occur outside of the country. For example, if you rent a vehicle in another country and get into an accident, you may not have proper coverage unless you have a personal umbrella policy.
Care, Custody and Control
Provides protection for property you are renting or borrowing.
Ways to Save
Multi-Policy Discount
Receive premium savings when you have other qualifying policies with Auto-Owners.
Mature Insured
Policyholders may be eligible for a special discount based on their age.
How do I get a quote?
We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote.
This material is intended as a general guide or primer only and analysis of coverage is in general terms for the sake of simplicity and understanding. Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. The material on this webpage is not an exhaustive list of the coverages available. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.