Umbrella policy for full-timers

[Texas_Two_Stepp]

I have GMAC full-timers insurance on the 5th wheel, tv and also a car (500K). I am looking for an umbrella policy at an affordable price. It seems that most companies I have checked with want you to have a homeowner's to qualify for an umbrella policy.

[Cummins12V98]

$168 for 1,000,000 thru Farmers

[Nolan]

Lots of sue crazy people out there. Get an umbrella policy.

[stripit]

My policy also has under insured and uninsured addition coverage's. Here in Az, and probably every other state many drivers have either the bare minimum or no coverage. I didn't want to be hanging out there exposed so we added the extra coverage.

[soos]

TechWriter wrote:

Texas Two Steppers wrote:
It seems that most companies I have checked with want you to have a homeowner's to qualify for an umbrella policy.

Check with Miller Insurance who are insurance agents so they have access to a number of companies.

Our full time umbrella policy was $225/year.

We also have an umbrella policy through Miller Ins. for $2,000,000.

Sue

[Old-Biscuit]

TechWriter wrote:

Old-Biscuit wrote:
What do you mean by an 'umbrella policy'?

It's liability insurance above and beyond what's covered in typical vehicle policies -- typically $1 million and up. It's insurance made to cover what other policies don't -- hence the term "umbrella".

Why have it? As a full timer, you have greater "liability" exposure because your home moves.

Also, just because a company calls what they sell "Full Time" insurance does't mean it has all the insurance you need on the road.

Thanks for the info on 'umbrella'
The FT policy that I have on 5vr is the same policy I had on S&B...same exact coverage.....slip/fall, dog bite, poke in the eye etc.

[TechWriter]

Old-Biscuit wrote:
What do you mean by an 'umbrella policy'?

It's liability insurance above and beyond what's covered in typical vehicle policies -- typically $1 million and up. It's insurance made to cover what other policies don't -- hence the term "umbrella".

Why have it? As a full timer, you have greater "liability" exposure because your home moves.

Also, just because a company calls what they sell "Full Time" insurance does't mean it has all the insurance you need on the road.

[Bumpyroad]

Old-Biscuit wrote:
What do you mean by an 'umbrella policy'?

We have FT insurance coverage on our 5vr with National Interstate Ins. Company
Liability, comp/collision, medical, towing, 'vacation interruption---lodging', custom equipment, personal effects, full replacement value.
All inclusive policy.

not really sure how they are defined but mine is worth a couple of million $$.
bumpy

[Old-Biscuit]

What do you mean by an 'umbrella policy'?

We have FT insurance coverage on our 5vr with National Interstate Ins. Company
Liability, comp/collision, medical, towing, 'vacation interruption---lodging', custom equipment, personal effects, full replacement value.
All inclusive policy.

[TechWriter]

Texas Two Steppers wrote:
It seems that most companies I have checked with want you to have a homeowner's to qualify for an umbrella policy.

Check with Miller Insurance who are insurance agents so they have access to a number of companies.

Our full time umbrella policy was $225/year.

[Bumpyroad]

perhaps he should Daaable check with them.
bumpy

[Dick_B]

We have an umbrella policy from (Aaron Rodgers favorite insurance company) the value of which is almost as much as our total assets. It would give the plaintiff the choice of a quick payment from the policy or a long court procedure to try to get more out of us.
Don't know why they would not issue one for a full-timer.