Added liability limits for major claims and lawsuits.
USAA
Coverage / value
$1M from ~$150/yr
Highlights
Military families only
USAA offers the lowest umbrella insurance premiums — starting around $150/year for $1 million in coverage. Available exclusively to military members, veterans, and their families. Top-rated customer satisfaction.
Chubb
Coverage / value
$1M from ~$400/yr
Highlights
No underlying policy required
Chubb offers the broadest umbrella coverage on the market with A++ AM Best strength. Unlike most carriers, Chubb doesn't require you to hold underlying auto/home policies with them. The gold standard for high-net-worth protection.
Travelers
Coverage / value
$1–10M coverage
Highlights
A++ AM Best rating
Travelers offers umbrella coverage from $1M to $10M with A++ AM Best financial strength and strong customer satisfaction. One of the broadest coverage ranges available, suitable for families with growing asset protection needs.
Allstate
Coverage / value
$1M from ~$200/yr
Highlights
Best bundling discounts
Allstate provides $1–5 million in umbrella coverage with the strongest multi-policy bundling discounts when paired with auto and home insurance. A+ AM Best rating with straightforward online quotes.