Services

PriceProtect™

Compare Car Insurance

Refinance Car Loan

DriveShield™

Drive Well, Earn Perks

GarageGuard™

Get Service Reminders

Insurance

Car Insurance

Compare Car Insurance with Jerry

2024 Car insurance quotes

Cheap car insurance

Best car insurance companies

Shopping for car insurance

Is Jerry a legitimate insurance broker?

Jerry’s Expert Advice

What factors affect car insurance rates?

How does car insurance work?

Types of car insurance

Full coverage car insurance

Car Insurance Estimates

Car insurance by car

Car insurance by location

Home & Renters Insurance

Home Insurance

Compare home insurance quotes

Home & auto insurance quotes

Renters Insurance

Compare renters insurance quotes

Repairs

Car Repair Estimates

Repair Estimates for Popular Services

Oil change cost estimate

Brake pad replacement cost estimate

Battery replacement cost estimate

Timing belt replacement cost estimate

Wheel bearing replacement cost estimate

Spark plugs replacement cost estimate

Rotate tires cost estimate

Transmission fluid service cost estimate

See all 300+ service estimates

Advice

Read Car Content

Browse Jerry Car Advice

How do I know if a mechanic is taking too long?

How to put antifreeze in your car?

What do you do if your car makes a noise?

Read 5,000+ more car advice articles

Check Out Expert Car QnA

Why does my car squeal when I drive?

Do driving warnings go on your record?

How long can you go past your oil change?

How much below MSRP is a good deal?

Learn from 30,000+ more questions

Learn About How We Create Content

Our Editorial Standards

Our Editorial Review Board

Jerry Data & Research

Recent Studies

State of the American Driver (2023)

Memorial Day (2023)

Android vs Iphone (2023)

Auto repairs (2023)

Auto loans study (2023)

Read all recent studies

Comprehensive Data Reports

Jerry Annual Data Report (2023)

Read all data reports

About

MenuIcon

Can I get an umbrella policy without having a car insurance policy?

I live in Chicago and I am thinking about getting an umbrella policy. I own my own home, but do not need a car since I use public transportation so much. Am I eligible for an umbrella policy?

Shannon Martin · Updated on Apr 29, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“An umbrella is an additional layer of

liability insurance

protection that “”umbrellas”” over your auto and homeowners policies. This means it extends from your existing liability coverage.

Most carriers require you to have existing auto and home/condo/renters coverage in place, with a minimum liability limit of $300,000, in order to meet the eligibility requirements of a million-dollar umbrella policy.

One option is to get car insurance quotes online for a

non owners car insurance

policy. Non owners car insurance provides the needed liability coverage for folks who don’t own a car. It will extend liability coverage to a car that you rent or borrow, and it may be an inexpensive solution for you.

You can get quotes for a non owners policy from most major carriers by getting

car insurance quotes online

. “

View full answer

WHY YOU CAN TRUST JERRY

Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

Join 4M+ members in lowering their car insurance

Find insurance savings

You Might Also Be Interested

Can You Get Car Insurance Without a License?

Most auto insurance companies won’t sell a policy to an unlicensed driver. Here’s why—and how to navigate the difficult situations involved.

Can You Get GEICO Car Insurance With No License?

There are a couple of unique circumstances where you’ll need car insurance without a driver’s license. Luckily, GEICO can help you out!

Drew Waterstreet

Can You Go to Jail for Driving Without Insurance?

Depending on what state you’re in and what the circumstances are, driving without insurance could land you up to one year of jail time.

Cameron Thiessen

Read Advice From Car Experts At Jerry

Lyft Gives up On Driverless Car Dreams

As the hope for self-driving cars in the immediate future becomes more unrealistic, Lyft sells their autonomous vehicle division to Toyota.

Most Reliable SUV of 2021: U.S. News Had a Surprising Pick

U.S. News picked the Nissan Armada as this year’s most reliable SUV.

Alexandra Maloney

These Two Hondas Just Earned Top Safety Scores

Two 2022 Honda Civic models, the sedan and the hatchback, earned Top Safety Pick+ awards from the Insurance Institute for Highway Safety.

Isabel Armiento

What Others Are Asking

What are the best traction tires?

I have a sports car that I want to start taking to the track. I’m working on some upgrades, and I need traction tires for the track. What are the best traction tires?

Is bus driving hard?

My wife and I just moved to the city, and I’m hoping to find some work as a bus driver. I’ve been driving pickup trucks since I got my license, so I’m used to handling bigger vehicles—but I’ve never driven anything bigger than an F-350. How hard is it to drive a bus?

How do you get a Honda radio code?

Where should I go to get a Honda radio code? My radio keeps prompting me to enter a code, and I have no idea where to find one.

Browse All Questions

Browse More Content

Car Repair Resources

Insurance for Your Car

Insurance in Your State

Insurance In Your City

Easiest way to compare and buy car insurance

No long forms

No spam or unwanted phone calls

Quotes from top insurance companies

Find insurance savings

Car Insurance by Make

Car Insurance by State

Car Repair by Service

AC Compressor Replacement Cost

Battery Replacement Cost

Fuel Injector Replacement Cost

Fuel Pump Replacement Cost

Ignition Coil Replacement Cost

Oil Change Cost

Oil Pan Replacement Cost

Car Insurance by Company

Aspire Advantage

Assurance America

National General