Question
Is it necessary to get umbrella insurance with uninsured / uninsured coverage?
My wife and I are both retired and are on medicare. When we were talking to our agent about an umbrella policy he mentioned additional coverage against uninsured motorist. Do we need it?
Answer
Umbrella insurance provides additional liability coverage above and beyond what you have on your auto and homeowners policies. This protects your assets if you are sued for injury or damage that you may have caused to another party for which you are liable. Umbrella insurance generally does not provide any uninsured motorist or medical coverage for you or your spouse. However, if your company offers additional uninsured motorist coverage as part of an umbrella policy, it might be a good idea to consider it but it is not required. This would simply add more protection for you and your wife, but it is a judgment call on your part.
Insurance is complicated, but it doesn't have to be.
The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.
Step 1: Tell us a little about yourself
Choose an insurance product and enter your zip code to get started.
Step 2: Sip your coffee while we find the best quotes
Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.
Step 3: Compare your quotes
Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.
Step 4: Let our agents do the hard work for you
Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.
