USAA
USAA Umbrella Insurance
USAA Umbrella Insurance
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An umbrella policy can help when a claim is more than the liability limits of your car, home, rental property or watercraft insurance.
If a claim against you is more than what your policy can cover, umbrella insurance could help pay the rest.
It can help protect your finances, including things you own, plus your savings, investments and future wages.
Why you need umbrella insurance
You can be a careful and responsible person, but life happens. An unexpected accident could have a major impact on your finances.
Umbrella insurance can help if you:
- Drive a car, ATV, UTV or other vehicle types.
- Own a home or rental property.
- Have a teen driver in the family.
- Rent, borrow or own personal watercraft.
How much umbrella insurance do you need?
We offer personal umbrella insurance from $1 million to $5 million in coverage. Many people choose a policy that protects their current and future earnings.
To get USAA Umbrella Insurance in most states, you need to have USAA Auto Insurance. See note2 If you have other personal policies, they can be with us or another insurer.
Either way, you'll need these coverage limits.
| Coverage |
Minimum limit |
|---|---|
|
Auto insurance bodily injury liability |
$300,000 per person $500,000 per accident |
|
Auto insurance property damage liability |
$100,000 per accident |
|
Rental property insurance personal liability |
$300,000 per occurrence |
|
Homeowners insurance personal liability |
$300,000 per occurrence |
|
Watercraft personal liability |
$300,000 per occurrence |
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IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.
Related footnotes:
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Estimation of average countrywide premium as of January 2025. Rates may vary due to location and other rating factors.
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USAA Auto Insurance not required in New York, Pennsylvania or Hawaii.
Related footnotes:
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The coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.
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Membership eligibility and product restrictions apply and are subject to change.
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Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.
Coverages subject to the terms and conditions of the policy.
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Small Business Insurance is underwritten by Garrison Property & Casualty Insurance Company, San Antonio, Texas ("Garrison"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) ("third-party insurance companies"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the "Agency") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer 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. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.
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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.
