can i add my cars insured in pennsylvania to my homeowners umbrella policy in westhamptons 35 old country rd 11977
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jul 15, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
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.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.