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?
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Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“An umbrella is an additional layer of liability insurance protection that “”umbrellas”” over your auto and homeowners policies. This means it extends from your existing liability coverage.
Most carriers require you to have existing auto and home/condo/renters coverage in place, with a minimum liability limit of $300,000, in order to meet the eligibility requirements of a million-dollar umbrella policy.
One option is to get car insurance quotes online for a non owners car insurance policy. Non owners car insurance provides the needed liability coverage for folks who don’t own a car. It will extend liability coverage to a car that you rent or borrow, and it may be an inexpensive solution for you.
You can get quotes for a non owners policy from most major carriers by getting car insurance quotes online. “
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