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Apparently State Farm is claiming not to issue new Umbrella policies.
Posted on 8/14/25 at 8:34 pm
Posted on 8/14/25 at 8:34 pm
Agent told me they've been paying out more than they're taking in. $1MM coverage went up to $2,450 a year for me. Almost 100% increase.
I'll renew RLI and drop the SF. That's absurd.
Honor all existing customers with major bump. New policies will not be written.
Lake Charles area.
I'll renew RLI and drop the SF. That's absurd.
Honor all existing customers with major bump. New policies will not be written.
Lake Charles area.
This post was edited on 8/14/25 at 8:36 pm
31
Posted on 8/14/25 at 8:37 pm to DiamondDog
Who needs insurance on their umbrella?
Posted on 8/14/25 at 8:42 pm to DiamondDog
State Farm over doubled my umbrella.. so told them to stick it, got some one else to write it. Got it back $700
They refused to rewrite my parents and they have never made a claim
They refused to rewrite my parents and they have never made a claim
Posted on 8/14/25 at 8:49 pm to DiamondDog
What the hell is an “umbrella” policy? Homeowners, automobile, both?
Posted on 8/14/25 at 8:50 pm to DiamondDog
We live in a judicial hellhole.
Posted on 8/14/25 at 8:51 pm to Spankum
It’s a way to make an additional $1 million or more available to the plaintiffs and their attorneys if you tap their rear bumper.
Posted on 8/14/25 at 8:52 pm to Spankum
Umbrella is for people with more to lose than a car.
Posted on 8/14/25 at 8:53 pm to LegendInMyMind
quote:
Who needs insurance on their umbrella?
Gingers
Posted on 8/14/25 at 8:53 pm to finfeathersport
I carried SF and RLI. Don't ask me why. I was supposed to cancel SF last year and never did.
I'll be renewing RLI for $1,275 and dropping SF.
My only concern is if there is an incident if they'll actually pay out and cover but I suppose it likely no better than SF. Probably litigate forever.
I'll be renewing RLI for $1,275 and dropping SF.
My only concern is if there is an incident if they'll actually pay out and cover but I suppose it likely no better than SF. Probably litigate forever.
Posted on 8/14/25 at 8:55 pm to DiamondDog
Buy a cheaper house
Posted on 8/14/25 at 8:56 pm to Spankum
quote:
What the hell is an “umbrella” policy? Homeowners, automobile, both?
It's for rich people.
Posted on 8/14/25 at 9:00 pm to Jack Bauers HnK
quote:
It’s a way to make an additional $1 million or more available to the plaintiffs and their attorneys if you tap their rear bumper.
Not as bad here in AR, but good luck getting past my LLC's, trusts, and holding companies. Plus I can litigate those mf'ers forever with interest off my play money. POS lawyers and plaintiffs ruining the country. It's a shame we have to spend a small fortune to protect our assets.
Posted on 8/14/25 at 9:04 pm to DiamondDog
Must be a Louisiana thing, I have 2mil policy that hasn't changed in 3 years here in Texas.
Posted on 8/14/25 at 9:05 pm to tilco
quote:
Umbrella is for people with more to lose than a car.
It’s rare for an umbrella policy to get hit outside of a big jury verdict. You’re going to have a max policy in order to get the umbrella.
This post was edited on 8/14/25 at 9:07 pm
Posted on 8/14/25 at 9:07 pm to TxWadingFool
quote:
Must be a Louisiana thing, I have 2mil policy that hasn't changed in 3 years here in Texas.
It is and will only serve to drive more wealth and good tax payers out of that state.
Posted on 8/14/25 at 9:09 pm to DiamondDog
quote:Thats what mine was. It doubled this year. The under/uninsured motorist part is most costly.
$2,450
This post was edited on 8/14/25 at 9:17 pm
Posted on 8/14/25 at 9:10 pm to TxWadingFool
Had State Farm auto/home/umbrella and canceled last year
My $1M umbrella went from $200 to $700
Cypress TX
My $1M umbrella went from $200 to $700
Cypress TX
This post was edited on 8/14/25 at 9:11 pm
Posted on 8/14/25 at 9:21 pm to SmackoverHawg
quote:
It's for rich people
So, it sounds like a liability policy over and above your homeowners and auto insurance?
Posted on 8/14/25 at 9:22 pm to DiamondDog
Jeff Landry’s trial lawyer buddies need the extra policy limits to pay for the jets to fly our “conservative” Gov around
POS
POS
Posted on 8/14/25 at 9:24 pm to DiamondDog
quote:
I'll renew RLI and drop the SF. That's absurd.
My RLI went from a few hundred dollars to $2,500 this past year. Granted I added a teenage driver to the policy.
Unfortunately, plaintiff attorneys gauge their ask in a suit based on how much insurance you have.
This post was edited on 8/14/25 at 9:26 pm
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