Liability Umbrellas

We’re thinking about adding an umbrella liability policy to our homeowners/auto insurance policy.  I talked with our agent about it, and it would cost $216/year to add a $1 million umbrella to our coverage.  We’ve talked about it for ages, but keep forgetting to do anything about it.  I emailed our agent with a few questions, but I think we’re going to go ahead and do it when he gets back to us.  We’re currently paying a total of $1297 a year for our homeowners policy and our car insurance for