The umbrella is for a million dollar coverage that kicks in once the regular auto coverage has been exhausted. Most coverage stops at $100,000/$250,000 of damage which is pretty easy to do. The umbrella is only $200 per year.
It sure offers a lot of extra protection for the money. For example, if you get tangled up with a big truck, many times the cargo is worth more than what regular coverage covers. And a motor home would take big bucks if you hit a diesel pusher.
I also carry a 1M. umbrella policy. With the cost of things and all the people that are willing to sue now days, It gives a person a little peace of mind.
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Roger & Cheryl Full Time since 2002, RVing since 1975 2008 Chevy 3500 Crew Cab Dually, 2012 RW 36RL
Had State Farm for last 40 years, could probably save a few bucks shopping around, I have fantastic agent & that's priceless.
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Danny & Linda
Full-timed 10+ years
Former '13 FB owner
Traded '13 GMC Denali DRW D/A
Currently rv & truckless
Replacement undetermined
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