USAA knows that anyone — no matter their income or age — can get hit with a lawsuit. USAA’s umbrella insurance provides members additional liability coverage that goes above the limits of their home and car insurance. An umbrella policy with USAA also provides coverage for other types of claims such as libel, slander, and invasion of privacy.

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The Good

  • Extensive FAQ Section
  • Get a Free Quote
  • Generous Coverage

Extensive FAQ Section

USAA’s Umbrella Insurance FAQ Section offers useful information. Each question and answer is easy-to-read and explains the benefits of an USAA umbrella policy. The site explains why umbrella insurance is useful, how much coverage is needed, the different coverage limits, and whether or not umbrella insurance covers businesses.

Probably the most helpful information USAA has on its FAQ is examples of when an umbrella policy is needed. For example: a member accidentally causes a five car collision and has an auto policy with bodily injury limits of $300,000 per person, $500,00 per accident, and $100,000 in property damage liability. If this member hurt 10 people with a total injury amount of $750,000 plus auto repairs, the policy might not cover everything.

The umbrella policy would help cover anything the auto policy did not.

Get a Free Quote

USAA members can log into their account and receive a free quote.

Generous Coverage

USAA’s umbrella policy covers the member, their spouse, and any resident relatives in the household — anywhere in the world.

The Bad

  • Requirements
  • Can’t Make Changes Online

Requirements

In order to purchase an umbrella policy with USAA, members are required to maintain the following coverage and limits:

  • Automobile Insurance Bodily Insurance
    $300,00 limit per person
    $500,000 limit per accident
  • Automobile Insurance Property Damage
    $100,000 limit per person
  • Homeowners/Renters/Fire Liability
    $300,000 limit per policy
  • Homeowners Insurance Personal Injury
    $300,000 limit per occurrence
  • Watercraft Personal Liability
    $300,000 limit per occurrence

Can’t Make Changes Online

Members cannot make any changes to their policy online. USAA states that this is because some umbrella transactions are too complex and require help from a customer service representative.

The Bottom Line

Certain requirements must be met before members can sign up for coverage, and members will need to call a representative to make any changes to their policy. However, that shouldn’t deter members from checking out USAA’s umbrella insurance. The insurance was designed to protect members’ assets from major claims and lawsuits and provides a substantial amount of coverage. Members who qualify can definitely benefit from an umbrella policy.

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Gary Rohrbaugh

May 6th, 2019 Payson, UT DETAILS arrow_drop_down
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Best insurance company! They truly make you feel like they are there to serve you. Very friendly and helpful. Great products and services! Cost is reasonable.

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