Allstate was founded in 1931 and ever since then, the company has been working to develop industry-leading policies. Serving more than 16 million households nationwide Allstate is dedicated to helping its members deal with unexpected events and prepare them for the future.

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The Good

  • Personal Umbrella Insurance Made Simple
  • Wide Coverage

Personal Umbrella Insurance Made Simple

Allstate members interested in buying an umbrella policy need to check out the Personal Umbrella Insurance Made Simple page. Here members can see a general overview, who and what is covered, benefits, how to read policy declarations, and a FAQ section. Allstate members can learn about the key parts of their personal umbrella policy (PUP) and make an informed decision based on the given information. 

Wide Coverage

Allstate’s site states that the Personal Umbrella Policy “covers a wide range of losses, including any damages arising out of a covered occurrence.” The coverage is international so no matter where a member is they have coverage against:

  • Bodily Injury: Medical costs, loss of income, funeral expenses of the others involved in the accident
  • Personal Injury: False arrest, invasion of privacy, libel, slander, humiliation or defamation of another person’s character
  • Property Damage: Physical destruction of someone else’s property
  • Landlord Liability: Bodily injury to or property damage of a tenant who resides in a rental property.

The Bad

  • Minimum Coverage Required

Minimum Coverage Required

In order to purchase an Allstate Personal Umbrella Policy, members must have an auto or property insurance policy with the company that meets the required limits.

Here is the minimum coverage needed:

  • Primary and secondary residences
    $300,000 per occurrence
  • Residential rental property
    $300,000 per occurrence
  • Automobiles and motor homes
    $250,000 each person
    $500,000 each accident or $500,000 combined single limit
  • Recreational vehicles
    $100,000 each person
    $300,000 each accident or $300,000 combined single limit
  • Watercraft
    Varies by size and type — members will need to view their policy for complete details
  • Personal watercraft
    $100,000 each person
    $300,000 each occurrence or $300,000 combined single limit
  • Motorcycle
    $100,000 each person
    $300,000 each occurrence or $300,000 combined single limit

The Bottom Line

For those with auto and homeowners policies from Allstate, a Personal Umbrella Policy is worth looking into. The policy is there to protect members against large and financially devastating liability claims. Personal Umbrella Policies are typically available in increments starting at $1 million and go up to $5 million.

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