Stand-alone umbrella insurance is an umbrella policy that offers coverage to customers who use a separate provider for their home or auto insurance. Stand-alone umbrella coverage is not very common, and it is not offered by any major insurers. Umbrella insurance supplements the liability limits of a home or auto policy, after all, and an insurance company will almost always require customers to get all of the necessary coverage from them.
Companies That Offer Stand-Alone Umbrella Insurance
RLI Insurance
American Alternative Insurance Corporation (AAIC)
United States Liability Insurance (USLI)
Stand-alone umbrella insurance is a good option if you need higher limits than what your auto or home insurer offers, or if another company has cheaper coverage.
The starting rate for umbrella insurance is generally $150 to $300 annually for a $1 million policy. For each additional $1 million that you add to a policy, the rate will typically go up $50 to $75 per year.
To learn more, check out WalletHub's guide to umbrella insurance.