Umbrella policy for full-timers

$168 for 1,000,000 thru Farmers

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

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.

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

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.

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.

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

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.

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.

perhaps he should Daaable check with them.
bumpy