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Umbrella Insurance Coverage

Umbrella insurance provides additional liability coverage that can help protect assets such as your home, car and boat. It can also help cover defense costs, attorney fees and other charges associated with lawsuits.

What is Umbrella Insurance?

Umbrella insurance coverage helps protect you from the costs of covered claims when those costs exceed the limits of your home insurance or auto insurance policies.

An umbrella policy can help cover defense costs when you are being sued for damages to someone else’s property or injuries caused to others in an accident.

[SPEAKER]>> Umbrella insurance, you might have heard of it, but what is it?

Picture this: you're driving to work and you collide with another car.

Unfortunately all three passengers in the other car are injured.

That can lead to pricey medical bills and possibly a judgment against you in court that your auto insurance limits might not fully cover.

That's one example of what umbrella insurance is for. It's an additional layer of protection for you.

In case you or a family member are responsible for property damage or personal injury to others,

an umbrella policy can provide one-million dollars or more of liability coverage over and above the limits of your auto homeowners or other insurance.

That can help protect your personal assets in the case of a covered loss.

So think about what you could lose without the proper coverage.

For more answers go to Travelers.com.

[sonification]

What Does Umbrella Insurance Cover?

Whether it’s a serious car accident involving extensive medical bills or an incident on your property, you may quickly find yourself responsible for damages that exceed the limits of your auto, homeowners or boat policies. That’s when having an umbrella insurance policy can provide coverage that goes beyond the limits of your primary coverage.

Travelers umbrella insurance can help provide coverage for:

  • $1 million to $10 million of liability, which can help protect assets such as your home, car and boat.
  • Claims like libel, slander, defamation of character and invasion of privacy.
  • Legal defense costs like attorney fees and other charges associated with lawsuits.
  • Liabilities that happen outside the United States.

A Travelers umbrella insurance policy is a valuable addition to any auto, homeowners or other policy for extended personal liability protection.

In today’s world, anyone can face a lawsuit, even if you’ve done nothing wrong. That’s why it’s more important than ever to consider adding an umbrella policy as an extra layer of protection for your assets – and your peace of mind.

What is Not Covered by An Umbrella Policy?

Generally, damage to your own personal property is not covered under a personal umbrella policy.

Other examples of coverage not included in a typical umbrella policy are:

  • Business losses. Damage to your business property or losses related to the running of your business generally would not be covered by a personal umbrella policy. This exclusion applies even if your business is operated out of your home. Consider purchasing business insurance if you need this type of coverage.
  • Intentional acts. A personal umbrella policy isn’t designed to protect you from liability connected with your own intentionally harmful behavior; for example, if you intentionally harm a visitor to your home.

Umbrella policies are typically very affordable and can be a great way to help protect yourself against the potentially devastating costs of major claims that exceed the limits of your primary home and auto policies.

Contact a Travelers licensed insurance representative or find a local independent agent to learn more about personal umbrella policies and whether this additional coverage makes sense for you.

Other Coverages

Personal Property Coverage

Jewelry and Valuable Items

Loss of Use Coverage

Identity Fraud Protection

Dwelling Coverage

Flood Insurance

If You Bundle Your Policies, You Could Save Up to 13% on Car Insurance

If You Bundle Your Policies, You Could Save Up to 13% on Your Car Insurance

When you bundle your car and home with Travelers you could save up to 10%¹ on your car insurance. There may be additional savings when you purchase other policies like boat, umbrella insurance or a personal articles floater.

  • Find out more

Home Insurance

Protect your home the way it protects you by choosing the property insurance coverage that meets your needs.

Learn more


Car Insurance

Get protection that can give you peace of mind when you're on the road.


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Travelers and The Travelers Umbrella are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.
© 2021 The Travelers Indemnity Company. All rights reserved.

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The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages and/or vehicles. 

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. In CA: Travelers Commercial Insurance Company, One Tower Square, Hartford, CT 06183. Certificate of Authority # 6519; State of Domicile: Connecticut and Travelers Property Casualty Insurance Company, One Tower Square, Hartford, CT 06183. Certificate of Authority # 6521; State of Domicile: Connecticut. In CA: Boat and Yacht insurance is underwritten by The Standard Fire Insurance Company, One Tower Square, Hartford, CT 06183, Certificate of Authority # 3545, State of Domicile: Connecticut. ©2020 The Travelers Indemnity Company.

110% savings on auto insurance (7% in Texas and Oklahoma) when you buy a Travelers home insurance policy.