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Do I need umbrella coverage with my 100/300 car insurance?
"I recently raised my car insurance limits from the state minimums. My insurance company is offering me umbrella coverage for $20 more a month.
Do I need it? I have $100,000/$300,000 limits for bodily injury. Is this too high for umbrella coverage?"
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If you do want umbrella coverage, you will most likely need to raise your
liability car insurance
limits. Most umbrella policies require you to have a specific amount of liability insurance. This is typically anywhere from $100,000/$300,000 to $250,000/$500,000 in bodily injury coverage. Whether you need umbrella coverage depends on your personal situation. If you can afford to pay an extra $20 a month for your car insurance, it’s worth adding on. Should you be at fault in an accident, umbrella insurance will ensure that you are properly protected so you don’t have to pay for any damages out of pocket.
If you don’t want to pay an extra $20 a month, consider doing some comparison shopping. You may be able to find a carrier that offers more
affordable car insurance
.”View full answer
- Gregory R.
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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.
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