Umbrella Insurance
Umbrella Insurance?
I was thinking of getting umbrella insurance. The problem is my auto insurance (progressive) and my home insurance (allstate) don’t have this option. Should I try and get the policy seperately from someone else or should I switch my auto or homeowners insurance?
You mean, an umbrella liability policy.
Although Progressive doesn’t write it, I was under the impression that ALLSTATE does. Did the agent flat out tell you, they don’t write umbrella policies? Or is their policy an “excess liability” policy?
MOST companies have moved from an umbrella form to an excess form. So that might be the issue. But some companies – which might include allstate – require that both your auto AND your home must be with them, in order to write the umbrella.
Progressive doesn’t write home or umbrella or excess, so you’d have to move everything with Allstate. I’d recommend that.
The alternative is getting a stand alone excess policy from a company like RLI Insurance – through a local agent. But it costs a LOT more than the excess or umbrella policy would with Allstate.
Discuss your options with the Allstate agent first. If you have to shop around to an independent, you might want to see what a Travelers agent can do for you.
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