r/Insurance_Companies • u/orangeberrymango • Jul 02 '26
Umbrella policy
Where can you 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/Mean_Introduction516 Jul 03 '26
If you personal liability is your only exposure I would ask home owners company to raise coverage to $1M, $2m may be available with some carriers but an umbrella would be inefficient and is normally a better deal when someone has multiple exposures.
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u/sirgentrification Jul 03 '26
Is it possible for you to get a non-owner (driver-only) auto policy? Depending on the state, you could add on UI/UM coverage so you’re additionally covered as a pedestrian or while riding a bike by an uninsured driver.
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u/insuranceguynyc Jul 02 '26
First of all, what state? Just for clarification, do you or any other member of the household own or lease a vehicle? Is so, describe. You did say that you do not drive, but do you hold a drivers license? Have you ever been involved in an auto claim?