Forum Discussion
klutchdust
Sep 19, 2017Explorer II
STBRetired wrote:
Have motorhome insured on same policy as car and pickup, with same company that has house and umbrella policy. Got good rate, have an agent I really like, and no arguments about coverage as some things are covered by auto policy and others by homeowners.
Was rear ended by 89 year old gentleman who could not find his brake pedal. $10,000 in damage. Been assured that my rates will not go up since was no way my fault.
Umbrella policy. Was talking to my agent recently, she said in 31 years she has never seen one used. They fall into the category of "extended warranties" with me. With the maximum coverage required in order to have an umbrella policy you may want to investigate closer the deductibles and disclaimers that come with them. You could save some dough and buy yourself a nice flyfishing rod or something...
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