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Posted on 10/27/24 at 5:22 pm to whg335
Ours is double that and about half that cost, I'd shop around more.
Posted on 10/27/24 at 6:33 pm to whg335
$350 for 1MM policy.
Posted on 10/27/24 at 6:53 pm to whg335
You got me wanting to see what I am paying now. My cost has never been that high. I think less than $500. All insurance cost has risen lately, though..
Posted on 10/27/24 at 7:20 pm to whg335
I increase to 2 million this year. Cost is about 1 grand
Posted on 10/28/24 at 9:28 am to whg335
I have $2m for liability and $2m for uninsured/underinsured motorists. I think I am $850'ish.
USAA bundled with Home, Auto, Flood.
USAA bundled with Home, Auto, Flood.
Posted on 10/28/24 at 9:42 am to whg335
Seems high. I have $3 million for $1200. USAA home and auto.
Posted on 10/28/24 at 1:57 pm to DarthRebel
I'm with State Farm, $3M umbrella coverage for $715 annually stacked on HO policy of $500k and high limits on 2 vehicles. $715 is very cheap if ever needed. No kids, that helps.
Posted on 10/28/24 at 6:33 pm to whg335
I pay around $336 for a $2 million umbrella policy in LA.
^This includes UMBI as well
^This includes UMBI as well
This post was edited on 10/28/24 at 6:35 pm
Posted on 10/28/24 at 6:42 pm to whg335
quote:
For those of you who have one; What is reasonable cost for a $1M umbrella policy I understand factors such as how many boats, atv's, etc you have will affect the cost. Mine has gone up to $1600 a year. Thinking this is unreasonable.
I did a million today with State Farm and it was $289 for the year. Saved me an additional $5 to $10 a month on my auto and upped my coverage from 100/300 to 250/500. It probably helped that I moved my cars and home to them so it’s all bundled.
I really don’t have insurance on any of my 4 wheelers or SXS since they are all paid off.
This post was edited on 10/28/24 at 6:46 pm
Posted on 10/28/24 at 6:44 pm to Rize
$204/year for $1M is what I just got quoted.
Posted on 10/28/24 at 6:48 pm to lynxcat
quote:
$204/year for $1M is what I just got quoted.
Damn! Too late for me to change:)
I’m closing on my house Friday and the insurance I had lined up said they couldn’t write in my zip code anymore because they were over leveraged. Had me scrambling for insurance this am and State Farm smoked everyone.
Can’t believe I didn’t have an umbrella policy before but never really thought about it.
This post was edited on 10/28/24 at 6:52 pm
Posted on 10/28/24 at 6:54 pm to TheWiz
I have USAA as well
Posted on 10/28/24 at 8:55 pm to whg335
In Louisiana, $600-1000/year for one driver with a clean record, 1 car, 1 house. If you’re in NOLA area, add 20%.
Auto accidents and youthful drivers will jack it way up. Extra exposures (secondary homes, rentals, recreational vehicles) will add extra as well.
Auto accidents and youthful drivers will jack it way up. Extra exposures (secondary homes, rentals, recreational vehicles) will add extra as well.
Posted on 10/29/24 at 5:48 pm to whg335
quote:
whg335
Your cost is based on your liability risk and coverage... if you are paying that much for $1M then I would assume you have a ton of risk... (maybe youthful drivers, accidents, recreational vehicles, boats, rent homes, etc etc).
Also, your state has something to do with it as well. Umbrella's in Louisiana are gonna cost more for the same client than... let's say Texas. Louisiana courts love to award them some liability settlements.
Posted on 10/30/24 at 1:46 pm to whg335
My $1MM umbrella policy is $307.62/year through Allstate.
Posted on 10/31/24 at 7:09 pm to whg335
Late to this thread. It shouldn’t be more than $400-$500 per million. One caveat, you’ll probably need to max out your auto coverage before getting the umbrella issued.
Posted on 10/31/24 at 7:41 pm to Riverside
quote:
I pay around $336 for a $2 million umbrella policy in LA. ^This includes UMBI as well
I'd love to know why my rates are so high then.
Posted on 11/1/24 at 7:57 am to DiamondDog
Is RLI good insurance company as in responds if you need them? I am with Geico but need to shop around. Don't have an umbrella policy but thinking I should.
Posted on 11/1/24 at 1:35 pm to DiamondDog
Probably b/c of your underlying policies. I only have 1 auto, no kids, and my home. It would be higher, as others said, if you have other risks you are protecting. Definitely shop around though when your policy comes up for renewal.
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