I have been thinking of getting umbrella insurance and was hoping the community here might have an idea about my slightly unusual situation.
Background: We (spouse and I) have homeowners insurance through State Farm. We do not have personal car insurance. We do have one car, which is a company-provided vehicle and we are authorized to use it for any personal use. The company provides an insurance policy for this vehicle.
Problem: I know that typically an insurer will sell an umbrella policy after you have both home and auto insurance. Is it possible to get an umbrella policy without having both of these with the same carrier already? I called State Farm to ask them if they would sell me an umbrella policy, but the agent seemed unfamiliar with my situation and couldn’t give me answer. A few days have also passed without a promised call back. I suppose I will try again with State Farm next week. But in the meantime I was curious if anyone here had a similar situation. Or knew of an insurance provider that would issue me both a home and umbrella policy without auto.