Insurance companies who specialize in umbrella policies

[Penny Clark]

Hi All,

I need to find an insurer who does umbrella policies only. My current insurance agent is saying we'll have to move all our insurance policies to one carrier. Is it cheaper this way or should I find a company that just handles umbrella policies? Need advice on this please!

Thanks!

[Kevin Romines]

I was an agent with Country Financial for 3 years. They are a very good company, but like any company they have certain rules. They require you to have your primary residence with them to be able to write a landlord policy. They will allow outside lines policies on some things and still be able to get an umbrella, but they will hit you with a surcharge on the umbrella assuming its an outside lines policy they will allow? If not, then you must bring all policies to them.

The company I'm with now doesn't require the primary to be able to write a landlord policy. On the umbrella, so long as your outside lines policy has the minimum underlying coverage's, we will write the umbrella. But just like any carrier, we will hit you with a surcharge due to having outside lines policies backed up by our umbrella.

You are going to generally get the best coverage, and pricing by doing all your business with one company, but shop around, there are difference in what each company likes and will do?