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To: Tradelite who wrote (48951)	2/22/2006 7:02:01 PM
From: orkrious	Read Replies (1) \| Respond to of 306849

I've been busy so I've just skimmed today's posts. I didn't read the rest of this conversation but caught the part about your father's umbrella. In another life I sold property and casualty insurance. IMHO your father should find another insurance agent. I can understand an insurance company not wanting to write an umbrella policy BECAUSE he drives. Since he no longer drives I am sure there are several companies who will write the policy. However, they may require that they write the underlying homeowners policy.

To: Tradelite who wrote (48951)	3/8/2006 9:02:16 AM
From: GraceZ	Read Replies (1) \| Respond to of 306849

The bottom line is that once he lost his driver's license and no longer owned a car, his insurance company (State Farm) would no longer grant him an umbrella policy. State Farm has some pretty screwed up priorities and their underwriting is far from consistent. In the past I've been turned down for insurance at one State Farm agency only to be covered by another. I'm glad I don't have them anymore. You don't need to insure a car to have an umbrella policy. I did have to switch all my underlying policies to the provider who carried the umbrella, Erie. I think an umbrella is a good idea unless you want to lose your house when someone gets seriously injured. If I only had one house and one car it might make more sense to raise the individual liability limits, but since we have three cars, several houses and a small biz, it makes sense to keep the minimum liability limits on each policy and then cover all the policies where the underlying leaves off. 300,000k worth of liability is not enough these days, not when you might have assets in the millions. It is your assets you are covering, you need as much insurance as you have in assets. Did the agent who discouraged you from getting an umbrella then also encourage you to raise the liability limits on every policy you have?