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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.
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