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> OT: Umbrella Insurance, necessary?, Howard??
neo914-6
post Aug 18 2005, 06:01 PM
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Ok, so now that my wife has accumated more collectibles she wants me to buy an umbrella policy insurance to cover them.

My insurance company, Allstate says I need to max both my home and auto insurance BEFORE I can buy the umbrella policy! (IMG:http://www.914world.com/bbs2/html/emoticons/confused24.gif) I have old cars so I don't carry full coverage but my small shoebox I live in is appreciating. (IMG:http://www.914world.com/bbs2/html/emoticons/biggrin.gif)

I live in lawsuit prolific California and live in the high cost of insurance/everything city of San Jose.

Any reasonable suggestions or guides?
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cnavarro
post Aug 18 2005, 07:24 PM
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If it makes you feel any better, I have an umbrella policy coupled with my renter's insurance for the business that runs me $56/month from State Farm. My agent originally suggested such a policy as we just moved to a larger home, have a few cars, and are starting a family, so there are lots more liabilities than I had previously. Money well spent :-)
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