Umbrella Insurance

Once the liability limits are exhausted on your home, auto or other underlying insurance policies, your Umbrella policy takes over and provides another layer of liability protection should you be sued and found legally liable for causing injury to someone else or damaging their property. Because the average size of jury awards has increased dramatically in the last few years, Umbrella insurance has become more important.

Here are a just few situations that demonstrate the need for this insurance.

• Your car slips out of gear and rolls into your neighbor.
• Your dog bites a neighbor’s child.
• While on vacation, the rented boat you’re driving hits two people in a canoe.
• A fire in your condo spreads to other units.

If any of these unfortunate accidents should happen to you, there’s a good chance your current liability limits won't be enough to protect your assets or your future earnings.

Umbrella limits start at $1 million with higher limits available. This insurance covers you and all members of your household anywhere in the world.

The best part of Umbrella insurance may be its very reasonable cost. Although your protection is substantially increased, the average cost is well under a dollar a day.

Boat/Watercraft Insurance

Give yourself the same peace of mind on the water that you enjoy on the road with watercraft insurance through one of the specialized insurance companies AAA represents.

These competitively priced insurance products cover most powerboats and sailboats, and may also include your personal watercraft, such as a Jet Ski®. Our insurance professionals will assist you in designing a policy to give you peace of mind in many ways:

• Our policies can cover your liability if you should accidentally damage another person’s boat or injure someone while operating your watercraft.
• Do you water-ski? If you carry medical coverage, water-skiers towed from from your powerboat may be covered, too.
• Did you pay more than a few hundred dollars for your boat or watercraft? If yes, you may want to include physical damage coverages to protect your investment.

AAA Annuities

Look to the future — yours and theirs. The tax-deferred interest of annuities provides stability no matter what's happening in the stock market.

Competitive interest is tax-deferred. Under current tax law, earnings from your AAA Annuity are tax-deferred, which means you pay no taxes on the money you earn while it grows through the magic of compound interest. More importantly, the tax money you do not pay today is reinvested, working for you and not the IRS.

Short-Term Care

AAA Washington has partnered with Assurant Health to bring you short-term-medical insurance.

Affordable and flexible temporary medical insurance plans provide protection from the financial hardship of unexpected illness and injuries. Learn more and get a free, no-obligation quote.