Insurance Banking Investing Retirement Advice Membership Log On UMBRELLA INSURANCE Help Protect Yourself From A Lawsuit Get $1 million in coverage for about a dollar a day. See note 1 GET A FREE UMBRELLA INSURANCE QUOTE See What's Required to Qualify What is umbrella insurance? An umbrella insurance policy gives extra protection if you're sued for the things you own, as well as your savings, investments, and in some states, your future wages. It can also help pay for legal defense costs. It doesn't matter how much money you make or how old you are — anyone can be hit with a lawsuit. Something as simple as posting a negative online review or crashing into an expensive sports car could trigger a costly lawsuit that takes away everything you've worked so hard for. What does an umbrella insurance policy cover? A personal umbrella insurance policy can pick up where your homeowners or auto liability insurance leaves off and help you pay for the remainder of a claim that exceeds their limits. For example: At Home If your dog bites a mail carrier or your child's friend seriously injures himself in your pool, your homeowners insurance may not pay out enough to cover the resulting bills. In Your Car If you injure someone in a car accident and are held responsible for injuries and medical bills, your auto insurance may not be enough to cover all of their expenses. In each case, an umbrella insurance policy would help you to protect your assets and your wages. You'll be glad to get the extra coverage. Play Video If you still don't think you need umbrella insurance, here are three things that might change your mind. Show Transcript Get peace of mind for about a dollar a day. Let us help you figure out how much liability coverage you need to protect your family's financial security. GET A FREE UMBRELLA INSURANCE QUOTE Umbrella Insurance FAQ Expand All What is an umbrella insurance policy and what does it do? Why do I need umbrella insurance if I already have home and car insurance? Why is it required that I have my car insurance with USAA to qualify for an umbrella policy? When would I use or need a personal umbrella policy (PUP)? How much umbrella coverage do I need? What are the different limits offered on an umbrella policy? Why do I have to maintain higher limits on my other policies? Isn't that what umbrella insurance provides? Who is covered by my umbrella policy, and where am I covered? Does umbrella insurance include business or professional coverage? Why do I have to contact USAA when I try to make changes to my umbrella policy online? Copyright © USAA WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN. Note 1 Estimation of average countrywide premium as of April 2021. Rates may vary due to location and other rating factors. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. Umbrella insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, and Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA Limited (United Kingdom) and USAA Société Anonyme (Europe), and is available only to persons eligible for Property and Casualty group membership. Each company has sole financial responsibility for its own products. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier. 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