The AARP Personal Umbrella Policy is designed to reduce the worry, trouble and financial burden of facing personal litigation on your own. It will also give the expanded liability coverage that may be needed if a serious accident occurs.

Extended Coverage: This policy takes over where the basic automobile and homeowners policies leave off, providing up to two million dollars worth of additional liability coverage.

Broader Coverage: The policy also provides coverage that basic auto and homeowners insurance policies may not offer; for example, coverage against lawsuits for libel, slander, defamation of character, or invasion of privacy. And it extends the same coverage to the spouse and other relatives living in the household.

Legal Defense Payments: If a policyholder is sued because of a covered occurrence and the primary insurance policies do not apply or have been exhausted, the AARP Personal Umbrella Policy will pay legal expenses incurred, including attorney's fees and court costs.