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Old 02-23-2014, 06:56 PM   #21
Confused about dryer sheets
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I think it would need to be the same co for both. I'd say they would want the coverage to be uniform between the underlying and the umbrella for underwriting purposes.

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Old 02-23-2014, 06:56 PM   #22
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Originally Posted by SkisALot View Post
Does the umbrella policy have to be with the same company as the HO and/or vehicle policy? If not, would having it with another company make the umbrella policy more expensive?
No, it does not have to be with the same carrier. Often, it is cheaper to have it with the same carrier as your home or auto. Sometimes that carrier, though, may offer only relatively low umbrella limits. But, that may not be the case so it may be worth checking in any event.

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Old 02-23-2014, 09:15 PM   #23
Recycles dryer sheets
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We recently purchased umbrella coverage for the first time. We have our homeowners and auto insurance through different companies and were able to get the umbrella coverage through a 3rd carrier. Our $1M policy was exactly $200. (The home insurance co. said we had to have auto with them before they would add umbrella.)
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Old 02-23-2014, 10:03 PM   #24
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We have been getting overcharged on all our insurance. Almost every time someone posts am I getting charged too much we are always paying more. We should have taken the time to price shop more often.

I ran an online rate comparison calculator the other day for car insurance and the cheapest was USAA. I'm going to get quotes from them for the homeowners and liability as well.

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