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Your dog gets loose and crosses paths with your neighbor, knocking her over. She claims damages greater than what your home insurance policy covers—and now you may have to pay out of pocket to cover the rest, and your home insurance premium may rise.
That’s just one of many scenarios in which the costs exceed the coverage from your auto, home or renters insurance policies. So, what can you do? Consider getting an umbrella insurance policy. Here’s what you should know:
An umbrella policy protects you when you’re liable for injuries or property damage that exceeds the liability limits on your home or auto insurance. It’s usually available in amounts beginning at $1 million, and the premiums are reasonable—often less expensive than simply increasing the liability coverage limits on your existing insurance policies.
Suppose your home insurance policy covers you for up to $500,000 in liability damages. When you buy a $1 million umbrella policy, it will cover liability damages that go over your home insurance limit, meaning you’re covered for up to a $1.5 million liability claim.
An umbrella insurance policy through AAA can protect your assets (including a house) or future income, both of which could be targeted in an expensive liability lawsuit. It’s especially important if you’ve increased your liability risk, such as adding a swimming pool or having a teen who recently started driving.
Serious accidents can happen when you least expect them—like dog bites, slip-and-falls on your property or at-fault fender benders. Or, you could find yourself facing a lawsuit over incidents like your child getting into a fight or even posting a negative review of a business.
Here are more scenarios in which an umbrella insurance policy can help:
Contact your insurance agent for a policy review. You’ll be able to see if you have enough liability coverage, and your agent can help you decide if an umbrella policy is right for you.
Auto insurance customers with AAA get special rates on umbrella and home insurance.
This information is being provided for general informational purposes only. The Auto Club Group does not assume any liability in connection with providing this information.
Coverage is subject to all policy terms, conditions, exclusions and limitations. Discounts and savings opportunities subject to eligibility requirements. Subject to underwriting requirements. AAA Insurance is a collection of AAA branded insurance products, services, and programs made available to qualified members. Personal lines insurance is underwritten by Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property-Casualty Insurance Company, The Members Insurance Company, Universal Insurance Company, Auto Club South Insurance Company, or Auto Club Insurance Company of Florida. ©2025 The Auto Club Group. All rights reserved.
