Most people have enough assets to need an umbrella policy. That policy typically provides $1 million in excess liability coverage. In addition, it can provide both uninsured (UM) and underinsured (UIM) coverage in the same amount. With the umbrella policy, there really isn't a need to buy stacking underlying coverage on your auto and motorcycles. So consider pricing an umbrella policy with UM/UIM coverage and get rid of the stacking coverage on the cars.
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