Umbrella insurance policy

[Jay Lam]

I am getting a RLI personal umbrella policy from an independent insurance broker. My broker listed my rental as my primary residence, but I am renting/living out of state. If I technically do not have a primary residence, what would I list as a primary residence. I want to ensure my rental would be properly covered under the umbrella insurance policy. Thank you! 

[John Mocker]

Jay,

As mentioned before, the address you reside at (rent) is your primary residence.  That should be on the application.  The rental property is not your primary residence but should be listed on the application.  Make sure all your autos, boats, motorcycles, etc. are listed as well.  The umbrella provides coverage over the primary policies (provided you have the required Liability limits on those policies) for those vehicles as well.  Lastly, make sure all the regular operators of the vehicles are listed on the umbrella application as well. 

Check with your agent to make sure they are licensed to write with RLI in the state where you reside.  They may not be and that could be a problem.   If they are not, find a RLI agent in the state where you live.  There should be a way to find that on RLI's website.  If not, PM me and I will look it up for you