What’s umbrella insurance?
An umbrella policy can help when a claim is more than the liability limits of your car, home, rental property or watercraft insurance.
If a claim against you is more than what your policy can cover, umbrella insurance could help pay the rest.
It can help protect your finances, including things you own, plus your savings, investments and future wages.
How much umbrella insurance do you need?
We offer personal umbrella insurance from $1 million to $5 million in coverage. Many people choose a policy that protects their current and future earnings.
To get USAA Umbrella Insurance in most states, you need to have USAA Auto Insurance. See note 1 To be eligible, you must have USAA Auto Insurance and either a homeowners or renters insurance policy with USAA.
Either way, you'll need these coverage limits.
Need umbrella insurance for your business?
The USAA Insurance Agency can help protect your business. Personal umbrella insurance doesn’t cover businesses, business property or professional services.
Get coverage with these common policies.
Umbrella insurance FAQ
While exclusions may vary by state, umbrella insurance typically doesn't cover liability from:
- Business and commercial activities, such as rideshare and homeshare unless it’s endorsed, food delivery, day care, massage therapy, salons, and farming.
- Intentional or purposeful criminal acts and omissions.
- Rendering of or failure to render professional services, like photography.
- Loss assessment payments.
- Officers or members of a board of directors of any organization.
- Contracts or agreements.
This requirement allows us to underwrite the policy appropriately and streamlines the claims process as we handle the entire claim.
The higher limits on your primary policies help protect your financial well-being. If the limit on your primary policy is lower than what's required, you'll have to pay the difference out of pocket.
When considering umbrella insurance, people often look at their risk of facing a lawsuit. For example, if they own a rental property or second home, they could be at higher risk. They may also consider the assets they could lose in a lawsuit.
If you’re sued, a personal umbrella policy may help cover damages and legal expenses.