Personal Umbrella

As an extra layer of protection, a personal umbrella policy is imperative for home owners. Designed to supplement your underlying limits, a personal umbrella policy is used when all resources from your homeowners and auto policies have been exhausted. Bodily injury, lawsuits as a result of an action on your property or a accident with your car are all examples of when a personal umbrella policy may be used.

For those who decline umbrella coverage, any loss, injury or lawsuit because of your negligence will first be paid out by your homeowners or auto policy. The remaining balance due will be owed by you, putting your home, auto, belongings and your family at risk. Additionally, your savings or even your income may be vulnerable should funds be required to settle your lawsuit. Besides paying damages, personal umbrella liability will also cover many, if not all of your legal expenses.

HOW CONFIDENT ARE YOU IN YOUR CURRENT COVERAGE?
We live in a society where lawsuits are everywhere. Make sure you are fully protected against any lawsuits that may arise. Please contact us to learn more about our personal umbrella policy and how it can protect you and your family.

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, Texas. or Farm Family Life Insurance Company, Glenmont, NY.

Personal lines and services are made available through American National Multiple Line Exclusive Agents and may be underwritten by American National Property And Casualty Company (ANPAC^®), Springfield, Missouri or one of its subsidiaries or affiliates: American National General Insurance Company; Pacific Property And Casualty Company (California residents); ANPAC Louisiana Insurance Company (Louisiana residents); American National Lloyds Insurance Company and American National County Mutual Insurance Company (Texas residents).

Commercial insurance is issued through Farm Family Casualty Company, Glenmont NY in CT, DE, MA, ME, NH, NJ, NY, RI, VA, VT and WV and United Farm Family Insurance Company in MD and PA.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustrative purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy or for more information about coverage options and availability, talk to your American National agent. Eligibility guidelines apply. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.