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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.
‡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.
