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What Is Umbrella Insurance Coverage?
Personal umbrella insurance offers additional liability coverage and extends your automobile and homeowners insurance policy limits.
An umbrella insurance policy through the AARP® Auto & Home Insurance Program from The Hartford1 can help protect you and your family if:
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A neighbor sues you after tripping in a hole in your yard, but your personal liability insurance only covers a portion of the claim.
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Your teen causes a collision with damages that exceed your auto insurance’s property damage liability and bodily injury liability limits.
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You have a guest who slips and falls at your house, resulting in a trip to the ER and you’re responsible for their medical costs.
Personal Umbrella Insurance
Learn more about personal umbrella coverage in this video.
What Does Umbrella Insurance Cover?
Umbrella insurance helps cover certain liability claims and lawsuits that exceed the limits of your auto or homeowners insurance policies.
An umbrella insurance policy includes several liability protections, such as:
- Auto bodily injury liability: This helps cover a person’s treatment costs if they get hurt in a car accident. This coverage steps in when you reach your auto liability limit.
- Bodily injury liability: This can help cover another person’s medical bills. If someone gets hurt and sues you, this coverage protects you once your liability limit has been reached.
- Landlord insurance: This coverage helps protect you if someone gets hurt at your rental property and sues you. This coverage helps once your liability limit has been exhausted.
- Property damage liability: This helps pay for damage to another person’s property or vehicle. This coverage will take effect when your liability limit has been exhausted.
What Isn’t Covered by an Umbrella Insurance Policy?
Your personal umbrella insurance policy doesn’t cover every claim. For example, it won’t cover losses related to your business. For that kind of claim, you’ll need a commercial umbrella insurance policy.
This infographic lists some of the most common situations that an umbrella insurance policy may or may not cover:
What Does a Personal
Umbrella Policy Cover?
Some common situations that your umbrella policy will help cover include:
Damage to another person's property
Medical bills if someone is hurt at your home
A settlement if you're at fault for an accident on your property
Your umbrella policy doesn't help cover:
To learn more, get a quote by calling: 888-546-9099
What Should I Consider When Choosing a Personal Umbrella Policy?
To figure out the amount of umbrella insurance coverage you need:
- Estimate the total value of all your assets. Start with your home’s worth. Then, look at your net worth and add in the total amount of your savings, stocks and retirement.
- Review your homeowners and car insurance policies to make sure there’s enough coverage to protect your assets in the event of a catastrophic loss.
- Think about other items you protect, such as RV insurance, ATV insurance or boat insurance. Make sure you have enough coverage to protect these things if there’s a loss.
Get a Quote for Umbrella Insurance
We’re here to help you get the coverage you need and answer your questions about getting a personal umbrella insurance policy. We offer flexible options with $1 million, $2 million or $5 million in coverage.**
Get an umbrella insurance quote today by calling 888-546-9099. You can also get a personal umbrella policy while you’re getting a homeowners insurance quote.
Homeowners Insurance in Plain English
Quick answers and easy-to-understand homeowners definitions written with you in mind.
To learn more, read through our homeowners insurance definitions page.
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** Available limits vary by state.
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