From Bobbie Sage,
Your Guide to Personal Insurance.
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Umbrella insurance can give you additional liability protection above and beyond your current insurance. Below is a list of questions typically asked and information you will need to gather in order to complete an umbrella insurance quote with your chosen insurance agent. If you have not yet read Why Every Policyholder Needs Umbrella Insurance you will want to do that first to determine your need for umbrella insurance.

Information You Will Need When Purchasing an Umbrella Policy:

• First Name, Birth Date, Sex, Marital Status, Years Licensed, State Licensed, and Occupation of all drivers in your household.
  
• Violation and Accident information for the last 5 years of all drivers in your household.
  
• All the property you own including: Home, Auto, Watercraft, Recreational Vehicles (RV's), Rental Units, Land, and Motorcycles.
  
• Information about your current insurance company including: Expiration Dates and Losses and Claims in the past 5 years.
  
• The liability limit you are requesting which is typically 1-5 million.

  Questions Typically Asked by the Insurance Agent When Purchasing an Umbrella Policy:
  

• Besides your auto, do you own any other motorized vehicles like motorcycles or mopeds?
  
• Do any drivers in your household have mental or physical impairments?
  
• Are you in the farming business?
  
• Do you have any employees at your residence?
  
• Are you caring for any property that is not your own and it exceeds $1,000?
  
• Are there any business activities conducted at your home or in any property that you own?
  
• Do you have any non-owned business or professional endorsements on your current insurance policies?
  
• Do any of your current insurance policies have reduced liability limits or exclude coverage for specific events?
  
• Within the last 5 years, have you been denied insurance coverage or been canceled or not renewed?
  
• Are there any drivers on your current insurance policies under the age of 25?
  
• Do you own, lease, or charter an aircraft?
  
• Do you use your property, vehicles, watercraft, or aircraft for business?
  
• Do you have any vehicles, watercraft, aircraft, or property that is owned, hired, leased or used on a regular basis that is not covered by insurance?