Do I need an umbrella policy if I don't have a vehicle or insurance, but I rent cars frequently for day/weekend trips out of San Francisco?

My partner and I go on frequent trips using rental cars. Since we don't have a car, we don't have car insurance. However, I was trying to figure out a way to cover us both with an umbrella policy on top of liability. Do you think I need this?

May 04, 2021
Answer provided by
Eric Schad
Answered at May 04, 2021
“To protect yourself financially, it’s a great idea to get an umbrella policy, especially if you rent cars fairly frequently.
For you, getting non owners car insurance is probably the best choice. You can add an umbrella policy to that to cover claims in excess of your regular auto insurance.
Keep in mind that non owners insurance only covers liability, so if you’re worried about other damage, you may want to consider getting the rental car company’s collision damage waiver. But you can skip the supplemental liability.
Shop around for quotes with Jerry so you can compare rates and find the best price. Have fun on your travels!”
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