How do we get personal liability/umbrella insurance in California, possibly without getting renter's insurance (which we don't need)?
We just moved to California from Germany, we'll probably be staying for at least 2 years. In Germany, it is customary to have a personal liability insurance ("Privathaftpflicht"). This kicks in when, e.g., you step on a friend's glasses, tip over an expensive vase, or you cause a huge accident as a pedestrian (not covered by car insurance), or similar stuff. It also somewhat extends the coverage of your car insurance (explained here
). In Germany, private liability insurance is very cheap (about $50/year), and is the primary insurance that you'd get (e.g. even people who don't have car insurance or home insurance would typically have it).
I did some research and found out that apparently, in the US you can only get this type of insurance when you have car and
home insurance. We rent a very small and old apartment and don't have any expensive stuff. We don't
need renters insurance, we'd just like to get liability insurance. Is this possible?
We have our car insurance with AAA (which only gives umbrella insurance to people who have car and
home insurance). I'm not sure whether this is relevant, but we have good health insurance via my husband's employer (a university).
In case it should be necessary to get home/renters insurance - How much do you pay for your renters insurance? And how much is the additional umbrella policy? I found it impossible to get a rough quote online without giving out all my personal details...
And finally - do you think getting a personal liability insurance is a good idea, at all? We're used to having it from Germany, but maybe it's not necessary/useful in the US...? Do you have any experience with how insurance companies handle this (e.g. do they actually step in when there's a liability case, or is the whole thing just a ripoff?)
Thank you for your help!