SF Bay Area, CA · Member since 2022 · 17 posts · 6 votes
Hi, fellas, I'm in the San Francisco Bay Area and own a home, I have a home owner insurance for my property now, but since I don't have any vehicles under my name, my insurer doesn't issue an umbrella policy for me. I did my research and found RLI issues standalone umbrella insurance. Do you guys have any experience with them? Or do you guys know any other insurer would issue a standalone umbrella policy? Thanks in advance
I used USLI for about 10 years without a problem (or a claim :-)) until they limited policies to $2M if any Properties had a pool. I’ve since switched to Madison about 4 years ago. Also no problems. Also no claims so how many problems could there be.
Hello, I am in Illinois and find Personal Umbrella to be slightly more competitive with standalone umbrella policies than RLI. However, they have stricter restrictions on the underlying primary policy. The primary policy must be written with an admitted insurer rated by AM best B+ VII or higher, and they will not write a policy in California if the primary policy is with State Farm. Otherwise, RLI is my next best standalone umbrella provider in Illinois. Both are great options, if you do get an auto in your name, I believe they both offer excess UM/UIM as an endorsement which gives a lot of coverage for very cheap.