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Joined: 10/07/1999
Posts: 763
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75Hokie
Founder Subscriber

There are a lot of factors that go into umbrella rating including location,

number of vehicles, ages of drivers, driving records, number of residences, recreational vehicles such as boats, motorcycles, golf carts, etc. As an independent agent for 46 years, I have seen quite a few umbrella claims, and they can be particularly nasty. We recommend umbrella liability to all of our customers.
Posted: 08/04/2022 at 11:39 AM ET
(In response to this post by WestyHokie)

Thread Replies (30)

Full Thread →
Umbrella insurance - thoughts on carriers (details inside)
WestyHokie • 08/04/22 09:58 AM ET
Have you looked into getting rid of the kid? TIC**
MP4VT2004 • 08/04/22 08:52 PM ET
Been trying for years **
WestyHokie • 08/04/22 09:11 PM ET
My umbrella has always been with the same company as my Auto and Home Ins
Hokie in CT • 08/04/22 06:03 PM ET
Recommend adding parasol coverage to base plan**
ColoVT82 • 08/04/22 12:25 PM ET
…sounds kind of shady**
chumley • 08/04/22 01:14 PM ET
I've always been of the mind
Vippie1 • 08/04/22 11:43 AM ET
I have seen some "excess" verdicts that went beyond what insurance the
Stork • 08/04/22 01:02 PM ET
There are a lot of factors that go into umbrella rating including location, ◄
75Hokie • 08/04/22 11:39 AM ET
Appreciate it, literally all we changed was states and added one driver
WestyHokie • 08/04/22 11:57 AM ET
Shop around - I have 1M umbrella ~$30/month**
FfxStationHokie • 08/04/22 10:57 AM ET
I got cancelled with teen drivers.**
Lucky77 • 08/04/22 10:25 AM ET
cancel culture **
bigbadbird • 08/04/22 10:27 AM ET
The difference may be plaintiff's law in Georgia vs Colorado. Since an
Stork • 08/04/22 10:23 AM ET
We have everything with SF, and they want $1300 for umbrella a year
WestyHokie • 08/04/22 11:48 AM ET
Let me offer some insight.
HokieBC3 • 08/04/22 12:26 PM ET
This is and your CO info in a post below is great info.
RJHokie • 08/04/22 09:06 PM ET
interesting. thanks for posting the information**
radhokie1 • 08/04/22 01:14 PM ET
Thank you for taking the time to do that
WestyHokie • 08/04/22 12:49 PM ET
The difference in states was huge. Yikes**
Stork • 08/04/22 12:57 PM ET
It's actually more expensive in CO.
HokieBC3 • 08/04/22 01:03 PM ET
Thanks weed. **
GreenvilleVT • 08/04/22 01:28 PM ET
have you seen those inverted umbrellas? **
bigbadbird • 08/04/22 10:18 AM ET
Couple things. Some insurers just want nothing to do w/ teen drivers so
RhinoVT • 08/04/22 10:18 AM ET
I use Erie for homeowners, auto and umbrella**
BRVT • 08/04/22 10:17 AM ET
I had Erie for years, even though I worked for State Farm. Ha But when my
Stork • 08/04/22 10:26 AM ET
yeah not long after signing up with erie had the big wind storm
BRVT • 08/04/22 10:41 AM ET
Umbrellas are pretty cheap, don't think they really need to be insured.**
HokieNoVA • 08/04/22 10:13 AM ET
"signed, Oswald Cobblepot"**
WestyHokie • 08/04/22 11:53 AM ET
Good idea if you have a pool
GS VT fan • 08/04/22 11:34 AM ET
I lease with an option to buy**
statmanfromHCyrs • 08/04/22 10:22 AM ET