Umbrella Insurance Gives You The Coverage You Need
Umbrella insurance isn't just for the rich and famous. Whether it's a serious auto accident involving pricey medical bills or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners or boat policies. And an expensive judgment is the last thing you want to worry about.
Travelers Umbrella insurance can provide:
- An extra $1M to $10M of liability coverage which can help protect assets like your home, auto, boat, wages, and investments such as your retirement
- Coverage for claims like libel, slander, defamation of character and invasion of privacy
- Helps cover defense costs, attorney fees and other charges associated with lawsuits
A Travelers umbrella policy is a valuable addition to any auto, homeowners or other policy for extended personal liability protection. Learn more
Coverage that goes above and beyond—without the huge price tag
Travelers' umbrella insurance is much more affordable than you may think. And in today's world, anyone can get hit with a lawsuit. That's why it's more important than ever to consider an added layer of protection for your assets-and your peace of mind.You could also save on your Umbrella Insurance when you buy other Travelers insurance policies, like homeowners insurance, condo insurance, renters insurance and auto insurance.
There when you need us
At Travelers, we know how important it is for you to resolve an issue as quickly as possible. That's why our fast, efficient claim services are available 24 hours a day, 365 days a year.Plus, in the event of a catastrophic loss or natural disaster, our industry-first emergency response vans are able to arrive onsite to help your community get back on its feet.
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 and deductibles are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.
Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT. For a complete list of personal insurance underwriting companies, click here.
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Get good protection with the right auto insurance
Whatever you drive, you have a lot riding on those wheels: Your loved ones and your peace of mind. Choosing the right auto insurance can help protect you from the risks of the road. At Travelers, we'll work with you from the start to help protect you wherever you go.Car insurance tailored to you
A Travelers car insurance policy can cover:- Bodily injury liability
- Property damage liability
- Injuries caused by uninsured/underinsured motorists
- Medical payments
- Comprehensive damage from events like fire and theft
- Collisions with other vehicles and objects
Check out our five-step process for choosing insurance to fit your needs.
Savings for car safety features and more
In addition to our competitive insurance rates, you may be eligible for more than 15 money-saving discounts and advantages, including some based on your car's safety features – e.g. airbags, anti-lock brakes or anti-theft devices – or even for your young driver's grades. Hybrid cars may qualify for yet another reduction.And, you could save up to 20 percent on your auto insurance when you buy other Travelers insurance policies such as homeowners insurance, personal liability umbrella insurance and boat and yacht insurance.
Travelers will be there when you need us
In the event of a loss, we know you want it resolved quickly. With Travelers, you get:- Fast, efficient claim service and 24/7 claim reporting
- More than 12,000 claim professionals located across the country and more than 100 points of service to respond quickly to routine and catastrophic claims
- Employees, expertly trained at Travelers Claim University, to inspect your property/auto in the event of a loss
- Catastrophe response teams and vans that mobilize fast in the event of a severe weather event or disaster
We've been providing trusted service for more than a hundred years, and we'll be there for you.
Be confident in your insurance choices. Contact your Travelers representative today. We'll work with you to develop an auto insurance policy that fits your needs and your budget.
For our Buying Early Advantage, you must obtain your auto insurance quote at least 8 days in advance of your desired policy start date. Actual number of days may vary by state. Not available everywhere. $60 average savings is based on Travelers new business auto customers countrywide who qualified for our Buying Early Advantage between January 1, 2008 and March 31, 2012.
$468 average savings based on new direct auto policyholders countrywide who reported savings to Travelers in 2011.
Individual savings may vary. Savings not guaranteed. Savings message not applicable in MA.
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, features, deductibles and repair options are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.
Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT, 06183. For a complete list of personal insurance underwriting companies,
click here.
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Homeowners Insurance
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Protect your home with homeowners insurance
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Home. It's your safe haven. It's where you raise your family and create memories that last a lifetime. Whether you're buying insurance for your first home, or the high-value home of your dreams, Travelers can help you protect this prized possession with homeowners insurance that fits your priorities and your budget.
Get comprehensive coverage with Travelers homeowners insurance
Travelers policies can provide coverage for:- Damage to your home's physical structure (Dwelling coverage)
- Damage to other structures like a garage or shed (Other Structures coverage)
- Your personal belongings - whether in your home or elsewhere (Personal Property coverage)
- Additional living expenses if necessary in the event of a covered loss (Loss of Use coverage)
- Your personal liability in the event someone is injured or their property is damaged by you or a family member (Liability coverage)
- Extra coverage for valuable items
Travelers offers you way to save and protect your home
Travelers offers many ways to save on your homeowners insurance, one being a discount if you buy other Travelers policies, such as auto insurance, personal liability umbrella insurance and more.We also can provide home maintenance tips which can help decrease your chances of having a loss in the first place.
Travelers will be there when you need us
In the event of a loss, we know you want it resolved quickly. With Travelers, you get:- Fast, efficient claim service and 24/7 claim reporting
- More than 12,000 claim professionals located across the country and more than 100 points of service to respond quickly to routine and catastrophic claims
- Employees, expertly trained at Travelers Claim University, to inspect your property/auto in the event of a loss
- Catastrophe response teams and vans that mobilize fast in the event of a severe weather event or disaster
Be confident in your insurance choices. Contact your agent or Travelers representative today. We'll work with you to develop a homeowners insurance policy that fits your needs and your budget.
* Based on Travelers claim survey results from April 2010 - April 2011.
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 and deductibles are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.
Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT. For a complete list of personal insurance underwriting companies, click here.
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We'll be there when you need us
"We'll be there when you need us" - See how Travelers helped rebuild after a fire.
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Maintaining your home can help to keep your insurance costs down.
The right coverage for your boat or yacht
Like any major investment, boats and yachts need the right insurance coverage. Travelers marine team has developed specialized marine coverage to help meet those needs. So whether you have a boat, yacht or an antique and classic runabout, you can cast off with confidence.
Boat and yacht policies can provide coverage for:
- Physical damage caused by a collision with a submerged object or another vessel
- Liability for bodily injury or damage to the property of others
- Damage to personal property on the boat
- Gas delivery, towing and assistance if your boat gets stranded
Savings for hybrid or electric boats and more
Along with our competitive rates and custom coverage options, including the choice of an Actual Cash Value or Agreed Value policy, you could be eligible for an array of money-saving discounts and advantages based on factors like your boating education, your boat's safety features, and the number of other Travelers boat or yacht insurance policies you have. Hybrid boats and electric boats may also be eligible for even more savings.Plus you could save even more on your Boat and Yacht insurance when you buy other Travelers insurance policies like Auto insurance, Homeowners insurance or Condo insurance policies.
There when you need us
At Travelers Insurance, your complete satisfaction is our main concern. That's why we strive to make sure your claims are processed as quickly and efficiently as possible. Our trained marine claim specialists are available to assist you 24 hours a day, 365 days a year. So if you have a claim, we'll help you get your boat or yacht back on the water quickly.
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 and deductibles are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.
Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT. For a complete list of personal insurance underwriting companies, click here.
Related Links:
Homeowners Insurance
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Umbrella coverage basics
The more you have, the more protection you need
The more your earning power and assets increase, the more you have at risk, and therefore, the more you need to protect.If you think you need at least a million dollars of additional protection above your current homeowners or automobile liability limits, you can purchase something called excess liability. Often referred to as an umbrella policy, excess liability is the additional protection you need in case a judgment against you exceeds the liability limits of your existing auto or homeowners policy. Available in amounts ranging from one to five million dollars, excess liability coverage increases your personal liability limits by adding protection to your current auto, boat or homeowners policies.
Why liability coverage from your homeowners and auto policy may not be enough
Homeowners insurance provides a minimum of $100,000 liability coverage (the coverage that protects you when people are injured or property is damaged due to circumstances in which you or your family are responsible). Although it varies widely by state, the typical minimum liability protection for auto insurance is around $25,000 per person and $50,000 per accident.With both of these coverages you can purchase higher limits (or amounts) of liability protection...but the most that can be purchased is $500,000 for homeowners policies or $250,000 per person, $500,000 per accident for auto insurance. Again, this may not be enough protection in today's lawsuit frenzied environment where million dollar judgments are fast becoming the rule rather than the exception, even for seemingly minor situations.
To understand more about what excess liability coverage is, and how it can help you, please review the following topics:
- What is Excess Liability?
- Coverage provided
- How it works
- Some definitions
- Exclusions
- How much is enough?
- Money-saving discounts
What is Excess Liability?
Available in amounts ranging from one to five million dollars, excess liability coverage increases your personal liability limits by adding protection to your current auto, boat or homeowners policies. Also, if something is not covered in your homeowners policy (like libel), and it's not specifically excluded in the excess liability policy, you're covered.Top
Coverage provided
Excess liability coverage provides:- Protection for covered claims by others for personal injury or property damage caused by you, members of your family/household, or hazards on your property for which you are legally liable
- Personal liability coverage for occurrences on or off your premises
- An additional layer of protection above your primary auto policy against auto-related liabilities
- Protection against non-business related personal injury liabilities such as slander, libel, wrongful eviction or false arrest
- Legal defense costs for a covered loss. Lawyer fees and associated court costs are covered
- Worldwide coverage- no matter where you go, with the only exception being situations involving foreign ownership of dwellings or cars
How it works
Depending on the type of accident, your homeowners, auto or boat policy liability limits are used up first, then the excess liability policy covers all remaining costs (up to the amounts of coverage you purchased). For example, if your neighbor dove into your swimming pool and broke his neck, your homeowners liability coverage would pay for the first $100,000 in damages. Your excess liability policy would cover the rest (including associated legal fees) up to the one million dollar policy amount that you had purchased.Most companies require that you carry certain limits on your primary insurance policies (homeowners, auto and boat) in order to receive excess liability coverage. For example, a company may require the following primary liability limits: $100,000 for homeowners, $250,000 per person/$500,000 per accident for auto and $300,000 for boat/yacht coverage.
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Some definitions
Insurance products tend to get loaded down with legal-sounding jargon, especially a product that specifically deals with circumstances for which you are legally responsible. Therefore, a few common definitions might help clear up any confusion:- Personal Liability:
- Coverage for damages that you are legally liable (responsible) for. This includes incidents occurring at your home and/or caused by you, residents of your household or your pets. Here are some common examples: your dog bites someone, a guest falls down your front steps, your teenage son rough-houses with his buddy and accidentally breaks that friend's leg!
- Personal Injury:
- This all-inclusive definition covers many predicaments. Personal injury can take many forms, including: bodily injury, shock, emotional distress, mental anguish, sickness or disease, or death arising from any of the above. Personal injury also means false arrest, detention or imprisonment, malicious prosecution, wrongful entry or eviction, humiliation, libel or slander, defamation of character or invasion of privacy.
- Property Damage:
- Accidental damage to the property of others caused by you, residents of your household, or your pets.
Exclusions
Often, insurance policies are defined not by what they cover, but by what they don't. This is especially true for excess liability products. If something is not specifically excluded, you're covered. Exclusions vary widely by company. Here are some common exclusions:- damages expected or intended by insured.
- damages arising out of business or professional pursuits.
- liability assumed under contract or agreement.
- liability arising out of ownership, maintenance, use, loading or unloading of aircraft.
- liability arising out of ownership, maintenance or use of non-traditional watercraft such as jet skis, air boats or air cushions.
- liability arising out of ownership, maintenance or use of most recreational vehicles. Only snowmobiles and golf carts are covered.
- damages to property you take care of, own or use.
- damages covered under a Workman's Compensation policy.
- liability arising out of war or insurrection.
How much is enough?
Obviously, determining how much coverage is right for you is a personal decision. Much depends on the value of the current assets you have to protect. However, there are also other factors to take into consideration. What will the value of your future assets be? Are you involved in activities that put you at greater risk? Do you have teenagers? Do they drive? Your local independent agent or Travelers representative can help you determine the coverage amount that works best for you.Top
Money-saving discounts
Money-saving discounts are available in most states if your car, home or boat is already insured with the same insurance company. Additionally, some companies are beginning to offer an endorsement (add-on coverage) to existing homeowner policies that increases your liability limits to the millions! Your independent agent or Travelers representative can help you determine whether this endorsement is available, as well as help you determine the best money-saving coverages available.Top
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 and deductibles are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.
Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT. For a complete list of personal insurance underwriting companies, click here.
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