You have a guest who slips and falls at your house, resulting in a trip to the ER and you’re responsible for their medical costs.
Personal Umbrella Insurance
Learn more about personal umbrella coverage in this video.
What Does Umbrella Insurance Cover?
Umbrella insurance helps cover certain liability claims and lawsuits that exceed the limits of your auto or homeowners insurance policies.
An umbrella insurance policy includes several liability protections, such as:
Auto bodily injury liability: This helps cover a person’s treatment costs if they get hurt in a car accident. This coverage steps in when you reach your auto liability limit.
Bodily injury liability: This can help cover another person’s medical bills. If someone gets hurt and sues you, this coverage protects you once your liability limit has been reached.
Landlord insurance: This coverage helps protect you if someone gets hurt at your rental property and sues you. This coverage helps once your liability limit has been exhausted.
Property damage liability: This helps pay for damage to another person’s property or vehicle. This coverage will take effect when your liability limit has been exhausted.
What Isn’t Covered by an Umbrella Insurance Policy?
Your personal umbrella insurance policy doesn’t cover every claim. For example, it won’t cover losses related to your business. For that kind of claim, you’ll need a commercial umbrella insurance policy.
This infographic lists some of the most common situations that an umbrella insurance policy may or may not cover:
What Does a Personal Umbrella Policy Cover?
Some common situations that your umbrella policy will help cover include:
Damage to another person's property
Medical bills if someone is hurt at your home
A settlement if you're at fault for an accident on your property
Your umbrella policy doesn't help cover:
Damage to your personal property from fire or theft
Contract issues that lead to someone suing your business
We’re here to help you get the coverage you need and answer your questions about getting a personal umbrella insurance policy. We offer flexible options with $1 million, $2 million or $5 million in coverage.**
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.