re: Umbrella Insurance Policies

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Thought it was 250/500/100. I may be wrong. A far as an Umbrella policies, they work by providing excess of what you're policies liability offers. So in most cases you must retain a certain limit on auto and renters.

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It probably depends on the the underwriter. When I was a kid, my parents had either 100/200/100 or 100/300/100, pretty sure it was the 100/200/100. Some professional organizations have better insurance underwriters than others.