Umbrella Insurance Policy

Umbrella Insurance
Matt & Mary M., Customers since 2014
Protect Yourself Against Large Claims
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Personal umbrella policy

What Is Umbrella Insurance Coverage?

Personal umbrella insurance offers additional liability coverage and extends your automobile and homeowners insurance policy limits.
An umbrella insurance policy through the AARP® Auto & Home Insurance Program from The Hartford1 can help protect you and your family if:
  • A neighbor sues you after tripping in a hole in your yard, but your personal liability insurance only covers a portion of the claim.
  • Your teen causes a collision with damages that exceed your auto insurance’s property damage liability and bodily injury liability limits.
  • 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.
Umbrella Insurance Policy

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?

Umbrella Policy Umbrella policy coverage
Some common situations that your umbrella policy will help cover include:
What does an umbrella policy cover
Damage to another person's property
Personal liability umbrella policy
Medical bills if someone is hurt at your home
How does umbrella policy work
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
Losses from your business operations
Criminal actions

 
To learn more, get a quote by calling: 888-546-9099
 
 

What Should I Consider When Choosing a Personal Umbrella Policy?

To figure out the amount of umbrella insurance coverage you need:
  • Estimate the total value of all your assets. Start with your home’s worth. Then, look at your net worth and add in the total amount of your savings, stocks and retirement.
  • Review your homeowners and car insurance policies to make sure there’s enough coverage to protect your assets in the event of a catastrophic loss.
  • Think about other items you protect, such as RV insurance, ATV insurance or boat insurance. Make sure you have enough coverage to protect these things if there’s a loss.

Get a Quote for Umbrella Insurance

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.**
 
Get an umbrella insurance quote today by calling 888-546-9099. You can also get a personal umbrella policy while you’re getting a homeowners insurance quote.
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.
** Available limits vary by state.
 
Additional disclosures below.
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.