The only umbrella policy I have found can only be purchased if you
already have a $1 million smooth (no sublimits) underlying policy. It
is through Allstate.

The problem is that most companies push the nearly worthless $100,000
per person sublimit policies and there is no umbrella or supplemental
insurance that you can purchase that will sit on top of those policies
to give higher limits or excess insurance.

So, get a policy without sublimits, even though that may be difficult
or expensive and get the highest limits you can buy. (Be careful,
agents seem to be spring-loaded to sell sublimit policies, even when
you make it clear you want smooth coverage, so insist.) Then see if
Allstate writes its umbrella policy in your state and buy it as excess
coverage.

All the best,
Rick

(SeattleFlyer) wrote in message . com...
I was reading my umbrella insurance policy recently, and I saw that
they don't cover any liabilities related to my use or owning of
aircraft. Needless to say I would rather give my money to a company
that didn't have this exclusion. Does anyone have an umrella policy
that covers flying, if so can you share the name of the company?

Please send responses to (remove the
Xs first please)

thanks for sharing your experiences. I have found that not all agents
are very knowledgable. I specifically asked my current agent if flying
was covered, and they said all non commercial activities were covered.
However when I got the policy in writing it said something very
different.