Your local independent agents are ready to help you find the coverage that suits you best.

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!


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

Get the security and peace of mind you deserve with affordable Personal Umbrella insurance.

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. 

Contact an Agent