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.

What types of accidents does an umbrella policy cover?

Here are some examples where umbrella coverage could help protect you.

On the road

The young driver in your family makes a left turn across traffic causing a crash. If someone is injured, their medical bills could be higher than the limits on your auto policy.

At home

Someone slips and falls on your property. They’re hurt and their medical costs are $500,000. You may not have enough coverage on your homeowners policy.

At your rental property

An electrical fire results in a tenant's death. The family sues you for $1 million. You may be on the hook for their pain and suffering if you don’t have enough coverage on your rental property policy.

With your pet

A neighbor is visiting, and your dog bites him causing deep wounds. His surgery costs thousands. Your homeowners insurance might not cover the bills.

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} If you have other personal policies, they can be with us or another insurer.

Either way, you'll need these coverage limits.

Default Caption Text
Coverage	Minimum limit
Auto insurance bodily injury liability	$300,000 per person $500,000 per accident
Auto insurance property damage liability	$100,000 per accident
Rental property insurance personal liability	$300,000 per occurrence
Homeowners insurance personal liability	$300,000 per occurrence
Watercraft personal liability	$300,000 per occurrence

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

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While exclusions may vary by state, it typically doesn't cover liability from:

Business and commercial activities, such as ride share and home share 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.