# Standalone Umbrella Policy Recommendations **URL:** \ **Category:** Insurance\ **Created:** [July 10, 2026, 8:23pm UTC](https://community.clark.com/t/standalone-umbrella-policy-recommendations/9537 "2026-07-10T20:23:39Z")\ **Posts on this page:** 10\ **Page:** 1
**Author:** ![James\_Horn](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/james_horn/32/4470_2.png) [@James\_Horn](https://community.clark.com/u/James_Horn)\ **Post date:** [July 10, 2026, 8:23pm UTC](https://community.clark.com/t/standalone-umbrella-policy-recommendations/9537/1 "2026-07-10T20:23:39Z")
Along with homeowners and auto I’ve had an umbrella policy through USAA for several years. In two years the umbrella policy has gone from $260 to $1009 for the same one million coverage with no claims on any of the policies. I didn’t know until today’s research there are carriers that issue standalone umbrella policies (monoline umbrella). Wondering if anyone has a recommendation for one of those companies. Thanks ---
**Author:** ![James\_Horn](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/james_horn/32/4470_2.png) [@James\_Horn](https://community.clark.com/u/James_Horn)\ **Post date:** [July 10, 2026, 8:40pm UTC](https://community.clark.com/t/standalone-umbrella-policy-recommendations/9537/2 "2026-07-10T20:40:56Z")
Put this under the wrong thread…so adding it here. My computer’s Copilot listed RLI and Markel as companies that sell standalone umbrella policies. I haven’t researched them because I hoped somebody else had good information. ---
**Author:** ![ole1845](https://avatars.discourse-cdn.com/v4/letter/o/e495f1/32.png) [@ole1845](https://community.clark.com/u/ole1845)\ **Post date:** [July 11, 2026, 12:58am UTC](https://community.clark.com/t/standalone-umbrella-policy-recommendations/9537/3 "2026-07-11T00:58:05Z")
That’s crazy expensive. Insurance companies do not reward loyalty. Get an independent insurance broker and let them shop for you. ---
**Author:** ![p1g1](https://avatars.discourse-cdn.com/v4/letter/p/cab0a1/32.png) [@p1g1](https://community.clark.com/u/p1g1)\ **Post date:** [July 11, 2026, 3:28pm UTC](https://community.clark.com/t/standalone-umbrella-policy-recommendations/9537/4 "2026-07-11T15:28:36Z")
I use Amica for all 3 policies and my umbrella policy is $220/million. I would also use an independent broker. One caution will using a standalone umbrella carrier is the potential for claims disputes between the two companies’ lawyers . ---
**Author:** ![James\_Horn](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/james_horn/32/4470_2.png) [@James\_Horn](https://community.clark.com/u/James_Horn)\ **Post date:** [July 11, 2026, 3:52pm UTC](https://community.clark.com/t/standalone-umbrella-policy-recommendations/9537/5 "2026-07-11T15:52:53Z")
I understand the concern about having two different insurance companies but I think the odds of the policy being used are pretty low so I’m looking for a low price. USAA may be a really good insurance company and is highly recommended on Clark Howard’s site but it’s more than tripling of my cost from 2024 to 2026 when nothing has changed other than my age is just unacceptable. ---
**Author:** ![Amanda\_S](https://avatars.discourse-cdn.com/v4/letter/a/b3f665/32.png) [@Amanda\_S](https://community.clark.com/u/Amanda_S)\ **Post date:** [July 12, 2026, 12:55pm UTC](https://community.clark.com/t/standalone-umbrella-policy-recommendations/9537/6 "2026-07-12T12:55:45Z")
James, have you contacted USAA to ask why they’ve increased your cost so much? It’s a long shot, but perhaps there was an error that can be fixed. ---
**Author:** ![PFA\_in\_ATL](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/pfa_in_atl/32/4661_2.png) [@PFA\_in\_ATL](https://community.clark.com/u/PFA_in_ATL)\ **Post date:** [July 12, 2026, 12:59pm UTC](https://community.clark.com/t/standalone-umbrella-policy-recommendations/9537/7 "2026-07-12T12:59:44Z")
I’m not sure if this will help, but my policy increased significantly as well. When I looked into it, I learned that homeowners insurance rates can be closely tied to your auto insurance profile. In my case, the increase was largely due to having two new drivers under the age of 20 on my auto policy. ---
**Author:** ![James\_Horn](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/james_horn/32/4470_2.png) [@James\_Horn](https://community.clark.com/u/James_Horn)\ **Post date:** [July 12, 2026, 2:59pm UTC](https://community.clark.com/t/standalone-umbrella-policy-recommendations/9537/8 "2026-07-12T14:59:05Z")
My big increase was in the umbrella policy, not homeowners or car. Interestingly I don’t have any of the triggers I’ve read about that lead to high umbrella rates. ---
**Author:** ![c200ns](https://avatars.discourse-cdn.com/v4/letter/c/fbc32d/32.png) [@c200ns](https://community.clark.com/u/c200ns)\ **Post date:** [July 12, 2026, 3:54pm UTC](https://community.clark.com/t/standalone-umbrella-policy-recommendations/9537/9 "2026-07-12T15:54:55Z")
I have been using RLI for the past 5 years. No idea if they are any good since I never filed a claim but last time I renewed it was $765 for a 2m policy. Back in 2022 I was paying $284 for 1m coverage. It has gone up over the recent years. ---
**Author:** ![James\_Horn](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/james_horn/32/4470_2.png) [@James\_Horn](https://community.clark.com/u/James_Horn)\ **Post date:** [July 12, 2026, 6:25pm UTC](https://community.clark.com/t/standalone-umbrella-policy-recommendations/9537/10 "2026-07-12T18:25:47Z")
Thanks for the comment…and yes I will be doing that but I wanted to find out what other options are available too.