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Umbrella Insurance


Umbrella coverage: Protection in the event of large financial losses

There’s no disputing that accidents happen. And while having primary insurance is certainly a must-have to safeguard against losses, there may be more you need to consider. Every day large financial judgments are awarded in accident cases. What would you do if a legal judgment against you was greater than your primary insurance limits? This type of judgment could involve attachments to assets such as your home, car or boat. It could even involve your paychecks, savings and investments, including stocks, bonds and mutual funds. 

To help further safeguard your property and finances, American National offers personal umbrella insurance. You can choose up to $5 million in additional liability coverage over your primary limits in the event of:

  • Bodily injury
  • Property damage
  • Libel
  • Slander
  • Wrongful eviction
  • Defamation of character

Minimum primary coverage limits are required. Requirements may vary by state.

Auto liability – $250,000 per person/$500,000 per occurrence bodily injury and $100,000 property damage

Personal liability – $300,000 comprehensive personal liability or homeowners

Watercraft liability – $300,000 watercraft liability

Rental owners liability – $300,000 up to four locations (not to exceed four units per location), total of eight units

So don’t risk a potentially lifelong financial crisis when there are options. Contact an agent to learn more about the benefits of American National and personal umbrella coverage.