It depends on how much assets you have, and what type of assets you have that are not “protected”

I’d say $1million umbrella is the miminum AFTER you have already maxed out your auto/home(s) liabilities (probably around $500k each)..

Please note though if you own watercrafts, rental prop, etc, you probably need to make sure the liability on those are up to snuff to, otherwise there *might* be a gap in coverage (or you might not be able to get umbrella at all).

You can buy standalone umbrella, but each of your liability from auto/home/etc must meet certain minimum liability coverage requirements. But umbrella is usually cheap if you get it along with a package with your homeowners and auto. For awhile, I believe Allstate and AAA was writing standalone umbrellas.