John Wentworth wrote:
The umbrella policies I looked at required you to maintain some level of
liability insurance on the insured item, if available. ( a boat needs it, a
lawn mower doesn't).

I don't think we're talking about the same thing, John.

most insurance companies won't write only a personal liability policy
though--they want your homeowners too. My homeowners, vehicle and
umbrella are all with USAA...my boats never have been. I don't recall
their ever asking for proof that my boat was insured when I bought the
umbrella...otoh, it's been a while. I do remember that they pulled a
credit report and DMV, though.

--
Peggie
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Peggie Hall
Specializing in marine sanitation since 1987
Author "Get Rid of Boat Odors - A Guide To Marine Sanitation Systems and
Other Sources of Aggravation and Odor"
http://www.seaworthy.com/html/get_ri...oat_odors.html