First in order to secure an Umbrella Polcy most companies require sufficient limits under your Auto and Homeowners Policies, us usually 100/300/100
Second considering an Umbrella consider what you have the potential to lose the higher the amount the more likely the need for an Umbrella Policy.
Third an insurance company is obligated to pay underlying losses and will do its best to keep you from being exposed
Most situation are settled within the underlying limits.
However, I have been in the insurance business my entire career and a student of insurance for as long and I have had n umbrella policy that entire time . The cost to add an Umbrella is minimal considering the reduction of financial risk
I opine you decide
Personal Best Regards
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