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Can I get an umbrella policy without having a car insurance policy?
I live in Chicago and I am thinking about getting an umbrella policy. I own my own home, but do not need a car since I use public transportation so much. Am I eligible for an umbrella policy?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
To purchase an umbrella policy, you must have either an auto liability policy or a policy for your home or dwelling, but you don’t have to have both.
If you want to purchase an auto umbrella policy, you do need
car insurance
, but if you’re looking for a home umbrella policy, you just need home liability coverage.An umbrella policy is an additional layer of liability insurance protection that extends over your existing vehicle and/or
home liability coverages
. That’s why to qualify for either, most providers require you to have either auto or home/renters coverage
in place. Your insurance provider will also require you to have at least a specific minimum liability limit in place. For homeowners and other dwelling umbrella policies, this is usually $300,000.
If you do purchase a car in the future and wish to get an umbrella policy for it, most providers will require the following amounts of
liability coverage
:OR
- $500,000 combinedsingle limit
View full answer
- Gregory R.
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