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LAST UPDATED: March 29th, 2021

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.

USAA is better known for its financial services geared to meet the needs of current and former military service members and their immediate families. The company also offers life insurance, home insurance, and car insurance.

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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, $500,000 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

If you're already a USAA member, you can log into their account and receive a free quote.

Generous Coverage

USAA's umbrella insurance product covers the member, their spouse, and any resident relatives in the household — anywhere in the world.


The Bad

  • Limited Customer Insight
  • Requirements
  • Can’t Make Changes Online

Limited Customer Insight

USAA does not have many personal insurance reviews on While the lack of reviews makes conclusions unavailable, it is promising that USAA has received primarily positive reviews.

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Customer Review: Morgan Huff from Phoenix, AZ

"USAA has very competitive rates when it comes to personal insurance. The coverage is very good for the price tag that comes with."


In order to purchase umbrella insurance coverage with USAA, you must be a member. USAA membership is available to current and former military service members in good standing, their spouses, and children.

For personal umbrella coverage, members are required to maintain the following coverage and limits:

  • Automobile Insurance Bodily Insurance $300,00 limit per person and $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 insurance 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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4 Reviews

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Aallen Katy, TX

We have been with USAA for over 25 years. We love every part of their company. The value is great. The customer service remarkable. We are so very pleased. We use USAA for our car insurance and personal items insurance ( wedding rings and valuables). We own 4 cars so it’s a big savings to use USAA.

3 years ago Edited September 14, 2021

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Gary Rohrbaugh Payson, UT

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.

5 years ago


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Morgan Huff Phoenix, AZ

USAA has very competitive rates when it comes to personal insurance. The coverage is very good for the price tag that comes with.

3 years ago

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Nate Ashby Provo, UT

My wife and I just started using USAA. It really does seem to be the cheapest option if you have access to it. What a great benefit for military.

3 years ago