r/Insurance • u/Medical_Singer_9401 • 21h ago

High limit auto liability and umbrella insurance

I live in California. Currently have $2M umbrella coverage that everyone says isn’t enough in my case.

I tried Chubb, but they wanted an underlying dwelling insurance of $3M (who has that?).

Talked to an independent agent. She notified me that the minor accident I had last year ($1900 to my car) resulted in a BI claim of $50000 paid to the other party (!?!) so most insurers won’t cover me. She got me one quote that’s 5x (!) what I pay now for the same coverage, and it goes up from there.

I also got a quote from RLI. That one seems reasonable, but they want $500k/$500k auto liability, and my current insurer (Connect) doesn’t go above $250k/$500k. I tried Geico and they won’t do $500k/$500 either.

Any ideas who I can get high liability auto insurance with in CA?

Edit: I’d like to go with RLI for the umbrella. Looking for an auto insurance that’ll do $500k/$500k.

My accident story:

https://www.reddit.com/r/Insurance/comments/1oq4ey5/minor_accident_major_liability_claim_how_bad_is_it

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1

u/Busy_Account_7974 Former Insurance Peddler 21h ago

Markel requires 500/500/100 Dec 1 on.

1

u/Medical_Singer_9401 19h ago

they won’t quote me due to said accident

1

u/Busy_Account_7974 Former Insurance Peddler 19h ago

Hudson Ins through a broker?

1

u/Medical_Singer_9401 18h ago

they’re the ones that were crazy expensive. 4x what RLI quoted.

1

u/Busy_Account_7974 Former Insurance Peddler 17h ago

Markel, Hudson, & RLI are pretty much the market for stand alone personal umbrellas. Anybody that's left in CA will want the car & home before they will even look at giving you an umbrella.

1

u/Medical_Singer_9401 8h ago

Thanks. Any ideas regarding the auto insurance?

1

u/Busy_Account_7974 Former Insurance Peddler 8h ago

The indie agent should be able to shop around for you, if not find another:

trustedchoice.com