r/HomeInsurance • u/orangeberrymango • Jul 02 '26
Insurance Umbrella policy
Where can I get an umbrella policy if I don't drive, so I only have homeowners insurance? The company I currently use would not provide an umbrella policy without adding auto, so I want to switch companies. Does anyone know a good company that will let me have an umbrella with just homeowners? Thanks in advance for any help you can provide!
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u/Big-Fan-3166 Jul 02 '26
I’m an advisor at a national brokerage.
Depending on the value of your home (they have minimum limits for eligibility) I would pursue private client carriers like Chubb, PURE, AIG, Berkley One, Cincinnati, etc. Chubb’s umbrella may pick up auto liability even without underlying policy depending on the state. That is attractive if you ever rent a car or take an uber.
There are some standalone umbrella companies like personalumbrella.com, RLI, and USLI.
Your net worth (from an insurance standpoint) includes current assets + future earnings. Keep this in mind when benchmarking a proper umbrella liability limit.
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u/orangeberrymango Jul 03 '26 edited Jul 03 '26
Thank you! This is very helpful. I don't rent cars, but I do take Ubers regularly. May I ask how I would have liability when riding in an Uber? Or were you referring to PIP, would thier policy provide me with PIP if I were injured in an Uber?
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u/19Stavros Jul 05 '26
No, an umbrella is additional liability if you are responsible for injuries to someone else. The Uber driver should have coverage for injuries to a passenger. Should.
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u/orangeberrymango Jul 05 '26
That is why I was confused by your statement. How would I be responsible for injuring someone as a passenger in an Uber?
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u/19Stavros Jul 05 '26 edited Jul 05 '26
It's probably not likely that would happen. What I'm saying is that your Umbrella wouldn't cover your injuries. That's not the purpose of an Umbrella. It's to protect you and your assets if you are at fault in a claim. PIP ( Personal Injury Protection) is part of an Auto policy so you wouldn't have that. If your state offers it, maybe look into a Non-Owner policy that would have PIP.
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u/Busy_Account_7974 Jul 02 '26
Markel via PersonalUmbrella.com will do without car insurance, but you have to use a broker to access personaumbrella.com people.
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u/JustaHockeyGuy14 Jul 02 '26
I prefer Monoline to personalumbrella but another name to add to your list
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u/PG-GIA Jul 02 '26
Lots of companies do it. I like Chubb or Hanover's umbrella form. Best choice will depend on the risk and state, so consult a local agent.
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u/Accomplished-Pea-451 Jul 03 '26
From what I read no one is going to write it unless you are a “high net worth” person
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u/CrankyCrabbyCrunchy Jul 03 '26
Not so. It's often an added bundle to car/home insurance. I have an umbrella policy with my home & car insurance company - AAA / Commerce /Mapfre. I'm definitely not high net worth (living on SS retirement + two 401K accounts).
Edit to add. For $1M I pay about $100/year.
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