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Originally Posted by itsme
If you don't own a car, and therefor have no "primary" insurance, where does the injury liability coverage come from? Don't most umbrella liability policies cover only "overage" and require you to have a certain amount of underlying injury coverage through home and car policies?
If you don't own a car, you either accept the (usually paltry) third-party liability coverage that most states require rental companies to provide, or you purchase million-dollar, supplemental third-party liability coverage from the rental company (as I do) for about $12 or $13 per day.
I am told that Chubb Insurance will sell U.S. residents a homeowner's policy with an umbrella that provides third-party auto liability coverage even if you do not own a car. But the policy is not cost effective for me, given that I only rent cars 10-15 days a year.