Originally posted by cofer22
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This policy won't cover the house structure but if someone falls or hurts themselves at the house and your name is still on the deed and you are sued - it will give you coverage against liability. If you have a car accident and someone sues you for more than the auto policy limits or your dog bites a child and you are sued for more than your renter's insurance limits - the umbrella liability policy will help you in these instances, too. It even had a clause where it covered some instances of libel and slander!
USAA does require your limits of liability on your auto policy be set at the high end (300/500) in order to do this.
I just bought this umbrella liability policy from USAA in September 2012.
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