Umbrella Insurance

Protect Yourself Against Large Claims

Call The Hartford for a free quote:


Monday-Friday, 7 a.m. to 10:30 p.m. ET
Saturday-Sunday, 8 a.m. to 6 p.m. ET

What Is Umbrella Coverage?

Umbrella insurance through the AARP® Auto and Home Insurance Program from The Hartford1 can be an easy and affordable way to help protect yourself and your family from potentially devastating financial consequences when the cost of a covered loss exceeds the limits of your standard coverages. Imagine what would happen to your finances if:
  • A neighbor trips in a hole in your yard. They then successfully sue you for $750,000 but your homeowner’s insurance only covers you up to $250,000.
  • While teaching your teenage child to drive, he or she accidentally causes a collision that results in damage costs that exceed the limit of your car insurance coverage.
  • You host a dinner party and a guest slips on loose carpeting and injures himself, requiring you to pay for the medical costs.
Umbrella Insurance from The Hartford supplements your liability coverage when the cost of a covered loss exceeds the limits of your basic home or auto coverages. This can help protect you and your family from potentially ruinous financial repercussions.

What Are the Coverage Options for Umbrella Insurance?

We want to make finding the right level of umbrella insurance easy for you and your family. With flexible options from The Hartford, you can choose $1 million, $2 million or $5 million* worth of protection.
* Available limits vary by state.

What Should I Consider When Choosing an Umbrella Coverage Plan?

Ask yourself:
  • What is the total value of my assets? How much is my home worth, my savings, the stocks and retirement funds I own? Also, do I have any valuable or collectible items?
  • What amount of coverage do my homeowner’s and car insurance policies provide? Is it enough in the event of a catastrophic accident?
  • Do I own recreational vehicles, motorcycles or watercraft that need coverage?
Have Questions About Umbrella Coverage?
For more information about our Umbrella Insurance or if you would like to request a quote, call The Hartford at 888-546-9099.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.