can i add my cars insured in pennsylvania to my homeowners umbrella policy in westhamptons 35 old country rd 11977

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 15, 2012

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Insurance Question from Port Jervis, NY

Asked on 07/15/2012

can i add my cars insured in pennsylvania to my homeowners umbrella policy in westhamptons 35 old country rd 11977 NULL

Answer given on July 16, 2012

The umbrella policy offered by insurance companies is sometimes a stand alone policy or it can be connected to the homeowner policy by an endorseemnt. This policy is intended to provide additional liability protection over your home and auto insurance policies. It is expected that your auto coverage be included in the umbrella policy.The policy is written for a minimum of $1,000,000 but limits are available up to $10,000,000 and sometimes more. The premium is based on the number of homes and autos you have, plus any additional items such as a boat, ATV or RV. If you have an umbrella policy in force, make sure the agent has included the auto exposure to the coverage. If the autos are not included, they are generally excluded, so you would have no additional protection over the auto coverage. You also need to be sure you are carrying the correct liability limit on the auto insurance. There a minimum limits required, usually $250,000/$500,000 for Bodily Injury and $50,000 or $100,000 for Property Damage. If you do not have the correct limits, you will have a gap in coverage.

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