Insurance
I would suggest always bundling your home, auto, and umbrella with the same carrier. Usually gets you a better rate overall. Should look at the total for all three. Umbrella is a necessity with all of the lawsuits. Just look at all the signs on the Freeway. A rule of thumb is to carry an umbrella equal to your net worth. As mentioned above, an umbrella policy will require that you carry limits on your other policies above the state-required minimum, which are way too low. Don't forget to mention if you own a golf cart. It affects the umbrella. I just switched back to Foremost (direct not through the village's insurance) and got a good rate on the Cart.
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