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How ready are you to handle a potentially devastating insurance claim? It’s probably safe to say that few of us are as prepared as we should be. Consider these scenarios:
Occurrences such as these keep people awake at night. If you’re a member of that sleep-deprived group, maybe you should consider an umbrella insurance policy. Not only is it for peace of mind, but the above real-world scenarios—and many others—won’t be financially devastating if you’re prepared with insurance coverage that provides an extra layer of protection.
AAA can help you review your coverage and see if an umbrella policy is right for you.
Contact your nearest AAA insurance agentJust about anyone who owns property can benefit from umbrella insurance. Why? Because an umbrella insurance policy protects you when you’re liable for injuries or property damage that exceeds the liability limits of your home or auto insurance. Umbrella coverage can protect your greatest assets, such as your home or future income, and could save you from having to declare bankruptcy.
Umbrella policies are usually available in amounts of $1 million or more. So, if your home liability insurance policy covers you up to $800,000, adding a $1 million umbrella policy gives you up to $1.8 million in coverage.
What’s not covered by an umbrella insurance policy? Damage to your own home, car or possessions.
Another positive note about the additional coverage: The premiums tend to be reasonable when you consider how much protection you’re acquiring. In fact, buying an umbrella policy is often less expensive than simply increasing the liability coverage on your existing policies.
Umbrella insurance
AAA Members 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.
