MAG wrote:

Hi gang-

This may be somewhat OT, but hopefully it's interesting enough for the
forum:

I've been considering an umbrella policy to go along with my home & auto
insurance. Apparently this is a common thing, giving for example $1M
liability coverage for things that slip through the traditional home and
auto policy, or for damages to us that go beyond the limits of the home
& auto policies.

I've got my insurance policies with Allstate, so I was about to sign up
for their coverage (works out to about $200 per year), but then found
out that excluded is coverage for excess damages to us by under- or
uninsured drivers. I would have to specifically increase my auto
coverage to deal with this. From a cost perspective, I'd rather just get
an umbrella policy that wasn't so leaky.

Apparently most other umbrella policies do include this, and Allstate
seems to be "odd" in this respect.

I'd like to get feedback from the group about good companies to go to
for umbrella policies to supplement their home/auto insurance.

Thanks

Marc

Also... Be very careful with Allstate. They have cancelled several
polcies that I know of. One was an auto policy, the person had no
accidents or tickets for a period of over 10 years. when they had 1
accident, they cancelled the policy and tried to get the person to take
out another one with their "preferred risk" company at 3 times the cost.