Umbrella insurance policy

Amazon ⛅️
Apr 3 14 Comments

I have home owners insurance policy from Amica. I don’t have any auto insurance policy as I don’t own a car. Amica requires me to have both home owner and auto insurance for getting an umbrella insurance policy. Any recommendations for insurance company that provides umbrella insurance without having home owner or auto insurance?

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TOP 14 Comments
  • eBay QWERTYzz
    Uhhhhhhh what do you want an umbrella for exactly?
    Apr 3 4
    • The Hartford layercake
      This is a legit question. Why do you want the coverage? The point of an umbrella is to increase limits on the underlying policies (home and auto) once they're tapped out. Do you already have the highest limits possible on the home policy? At the end of the day insurance is access to money. What exactly are you trying to insure or protect yourself against in terms of potential liability?
      Apr 3
    • Facebook k7gsun01&
      Umbrella is like 200$ a year for 2m$ coverage. To protect my shit, I’ll pay 200$ a year. You also get legal support, as the insurance will send their army of lawyers to avoid shelling out the 2m$.
      Apr 3
    • Amazon ⛅️
      OP
      Exactly. Shit can hit the fan any time and there can be lawsuit or claims exceeding the maximum insurance coverage. Umbrella kicks in at that time and can save your ass. I think it’s a no brainer
      Apr 3
  • Facebook k7gsun01&
    I use safeco
    Apr 3 2
    • Amazon ⛅️
      OP
      Do you have auto insurance with them?
      Apr 3
    • Facebook k7gsun01&
      I do, but when I first took the umbrella I didn’t
      Apr 4
  • eBay / IT
    manorama

    eBay IT

    BIO
    Coder
    manoramamore
    Does umbrella insurance protect you for all kind of law suits , for example landlord discrimination due to unintentional mistakes in filing ads for home , etc etc ?
    Apr 4 1
    • OpenTable Meliodas
      Insurance typically doesn’t cover unlawful activity.
      Apr 4
  • OpenTable Meliodas
    You may want to consider getting unowned vehicle auto insurance. It is pretty cheap and covers you for when you borrow or rent a car up to the umbrella deductible.

    That’s what we did when we didn’t own a car.
    Apr 4 0
  • Console Connect / Other gqDS15
    Geico
    Apr 4 0
  • Microsoft tfsUEwWt
    None
    Apr 3 0
  • Amazon / Eng DeepObsess
    If you have $1mil in the bank and your home/auto insurance only pays $100k maximum then you probably wanna have umbrella insurance. If you don't have much other than your primary residence then you don't need extra coverage.
    Apr 3 0