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  American National Umbrella Insurance

American National Umbrella Insurance

in Umbrella Insurance from American National Insurance Company

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American National Umbrella Insurance

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in Umbrella Insurance from American National Insurance Company

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Highlights
Highlights
Financial Strength Rating A

American National Umbrella Insurance Review

Umbrella insurance is another name for liability insurance. It is designed to protect your assets when you are hit with a lawsuit judgment. Another name for it is "excess liability coverage." It protects you when the liability coverage of your auto insurance, home insurance, or boat insurance is insufficient.

Does American National Insurance Company offer an umbrella insurance policy?

Yes, American National Insurance Company offers policyholders an umbrella insurance policy. Read below how American National Insurance Company compares to other insurance carriers

How does American National Umbrella Insurance work?

Let's say you are at fault in a serious car accident. The cost of the damages is $500K. However, your auto insurance liability coverage limit is $300k. If you have an umbrella insurance, it will kick in so you don't have to pay the balance out-of-pocket.

Where does American National Umbrella Insurance do business?

American National Umbrella Insurance is an insurance carrier based in Galveston, TX. The company was founded in 1905 and offers umbrella insurance policies in 45 states in the USA.

What types of umbrella insurance does American National Umbrella Insurance offer?

American National Umbrella Insurance provides the following protections:

  • Serious bodily injury liability -- Say a guest falls on your property and requires surgery. The cost may exceed your homeowners insurance liability limit.
  • Landlord liability -- If a tenant sues you for damages while renting your property and the cost exceeds the coverage provided by your specialty homeowners insurance.
  • Property damage -- Your umbrella insurance also helps if you are at fault in an auto insurance accident and the damages exceed your auto insurance liability.
  • Slander or libel -- An umbrella insurance policy can also provide coverage if you are sued for something you wrote or said.
  • Malicious prosecution -- If you are counter-sued for wrongfully prosecuting someone, you can be left holding an expensive legal bill.

What minimum liability coverage does American National Insurance Company require before approving an umbrella insurance policy?

Most insurers will not allow you to buy an umbrella insurance policy unless you first purchase a substantial amount of liability coverage on your homeowners and auto insurance policies. American National Insurance Company requires you to have at least $250,000 in liability insurance before they will grant you an umbrella insurance policy.

What level of liability coverage can you get with American National Umbrella Insurance?

Most insurance companies set a minimum of $1,000,000 for umbrella insurance policies.

American National Insurance Company does not provide details on its liability coverage limits.

How much does American National Umbrella Insurance cost?

The cost of your umbrella insurance policy will vary depending on your risk profile. Your premium will probably range between $150 and $300 a year.

Your risk profile depends on factors like your net worth, where you live, your credit history, and your driving record. Owning a dog or vehicles that could damage others, such as a jet-ski or a snowmobile, can also increase your policy premium.

Does American National Insurance Company offer policy discounts on their umbrella insurance?

American National Insurance Company offers the following discounts.

Policy Discounts Options
Supported Options Unsupported Options
  • Multiple Policy
  • Claims Free
  • Advance Purchase / Early Shopper
  • Automatic Payment
  • Continuously Insured
  • Defensive Driver / Safety Course
  • Family Plans
  • Farm Vehicle
  • Full Payment
  • Good Credit
  • Good Student
  • Higher Education
  • Homeowner
  • Low Income
  • Loyalty / Long-Term Customer
  • Military
  • Multiple Vehicles
  • Paperless Billing / e-billing
  • Affinity Relationship
  • Senior
  • Storage / Layup Discount
  • Student Away at School
  • Young Driver Training
  • Teacher / Educator
  • New Customer / Competitor Transfer
  • Retired
  • Higher Deductibles
  • Non-Smoker
  • Mature / Experienced Operator
  • Motorcycle Endorsement
  • Original Owner
  • Insurance companies add and change the discounts they offer regularly. Check whether you qualify for any other discounts when you apply.

    What is the financial strength rating of American National Umbrella Insurance?

    The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

    American National Umbrella Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.

    How to apply for American National Umbrella Insurance?

    • Visit the American National Insurance Company website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • Check the information is accurate and submit your application.
    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Contact

    • Headquarters
    •   One Moody Plaza
      Galveston, TX 77550
    •   Visit Site

    Hours of Operation

    • Sunday Closed
    • Monday 7:00am - 6:00pm
    • Tuesday 7:00am - 6:00pm
    • Wednesday 7:00am - 6:00pm
    • Thursday 7:00am - 6:00pm
    • Friday 7:00am - 6:00pm
    • Saturday Closed

    Other Services by American National Insurance Company

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 45 states
    • Alabama
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Georgia
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Required Minimum Limits $250,000
    Financial Strength Rating
    • A
    Auto Coverage  
    Liability  
    Personal Injury Protection  
    Personal Property Protection  

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