LOOKING FOR "STAND-ALONE" UMBRELLA POLICY........ALREADY HAVE HIGH COVERAGE WITH AUTO, HOME AND RENTAL POLICIES. WHO DO YOU RECOMMEND?

  • by Anthony
  • Dec 01,2017
  • 5 answers

LOOKING FOR "STAND-ALONE" UMBRELLA POLICY........ALREADY HAVE HIGH COVERAGE WITH AUTO, HOME AND RENTAL POLICIES. WHO DO YOU RECOMMEND?


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Insurance Answers (5)

Casey Y last week

Contact any local independent agents, they can assist.
Whoever writes your homeowners or auto would be the best bet, but there are dozens of other companies out there who only write umbrellas or excess liability.
One huge caveat here:
If buying an "umbrella," you really need to review the terms and conditions if purchasing from a third party as opposed to from your homeowners carrier. There will be limitations on things like Uninsured or underinsured motorist coverage on the auto. There might be exclusions on certain things (diving boards, pitbulls, etc) or other limitations. Ultimately, you need to work harder to purchase a stand alone umbrella...

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Billy last week

Lloyd's of London

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Bill last week

Umbrella policies require coverage on your auto and home and maybe other things, too. Get one from the insurance company you are using now and the benefits will be properly coordinated.

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A Hunch last week

Anderson and Murison is a property & casualty wholesaler that concentrates on personal umbrella polices.
To get a stand alone umbrella policy the company will require you to have certain levels of other coverage.
Example: I'm required to have $300K liability insurance on my car insurance to qualify for the umbrella policy.
http://andersonmurison.com/personal/defa...

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Insurance Pickle.com last week

The company that does your home and auto can do it.

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