“Although higher coverage limits of bodily injury liability may seem excessive once you add an umbrella policy, it is typically required.
Umbrella policies are considered secondary coverage and additional protection. Your primary auto insurance liability limits would need to be exhausted before your umbrella coverage will kick in.You may also be receiving a discount on your policies overall for having higher bodily injury limits.
If you’re curious about other carriers, it never hurts to shop around. You can comparison shop to see if you can find similar coverage with another carrier.
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