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Serious accidents happen when you least expect them, and often arise out of life's little moments. Here are examples of everyday events where umbrella insurance would provide much needed protection:
The child's parents sue and are awarded $1,000,000 in damages. Your home insurance pays $300,000.
Severe injuries require multiple surgeries totaling $750,000 in damages. Your auto insurance pays $250,000.
Damage to several units totals $400,000. Your home insurance pays $300,000.
The child's parents sue and are awarded $1,000,000 in damages. Your home insurance pays $300,000.
Severe injuries require multiple surgeries totaling $750,000 in damages. Your auto insurance pays $250,000.
Damage to several units totals $400,000. Your home insurance pays $300,000.
With coverage options from $1 million, umbrella insurance provides extensive protection that's surprisingly affordable. For instance, $1 million of umbrella insurance can cost less than $20 per month.*
Because umbrella insurance is activated after the liability limits of auto and home policies have been reached, those policies will need to be in place with specific minimum coverages. Your AAA Agent can tell you about the requirements in your situation.**
*For a household with two experienced drivers and two vehicles. Ownership of additional houses, vehicles, motorcycles, or boats may affect the premium. The availability of discounts and their amount may vary from state to state. Be sure to ask your AAA Agent for complete details.
**Your existing auto, home, boat or motorcycle liability coverage is called underlying insurance. Minimum limits must be maintained and your auto liability coverage must be provided through AAA.
Insurance underwritten by one of the following companies: Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property-Casualty Insurance Company, Auto Club South Insurance Company, Auto Club Insurance Company of Florida, or non-affiliated insurance companies.
This information is intended solely to highlight the many financial risks covered by personal umbrella insurance through AAA. Your policy and its endorsements, plus applicable deductibles, determine exact coverage and payment of losses. Note: Products and benefits are subject to change and not available in all states.
‡Offer valid through 4/30/2025. Offer valid for Classic/Basic Memberships only. Pricing valid at member join only. Offer excludes Motorcycle coverage. Payment of full AAA Membership dues is required upon renewal. Offers, terms, conditions and restrictions apply and are subject to change without notice. Not combinable with any other offer. Offer not valid in FL, GA, MI or PR. A member can add one eligible family member for free for up to one year. Additional Associates are half price. Associate memberships are available to the Primary member’s spouse, one other adult living in the household, and their children living at the same residence or away at school. Associate members must have the same type of membership as their Primary member, with the exception of Motorcycle. Associate membership expires on the renewal date of Primary member.
Upon activation and with proper identification, AAA will provide regular AAA services and full privileges for the new member. Roadside benefits begin three days after payment of dues. Some restrictions apply. Roadside assistance is provided by independent facilities contracted by AAA. Coverage in taxis, limousines and other ride-sharing conveyances is excluded. Visit AAA.com/MemberHandbook for details about member benefits, including any limitations or restrictions. Offers, terms, conditions and policies are subject to change without notice. Savings partners subject to change. Source: 2023 AAA U.S. Market Track national surveys. Includes service vehicles owned by clubs and service vehicles owned by third parties under contract with AAA to provide services to AAA members. Taxes, fees & options excluded. Terms apply. Partners and offers are subject to change and restrictions apply. For a complete list of offers, visit us online at AAA.com/Save or your local AAA office.
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