Thanks for the info flu. I will check with AAA and AllState if a standalone policy is still possible.

My home and car was with Wawanesa, and to pick up an Umbrella policy I switched to Farmers. However a comparable maxed out liability home/car policy at Farmers was about $1000 more than the Wawanesa rates. Ideally I would like to get my old Wawanesa policy back, with a standalone umbrella policy.

As for the limits, I constantly wonder what is the right balance. Eventually I hope to find the optimal ratio.

Thanks again for all your suggestions. My policy renewal is a couple of months away, if you think I should consider any other vendors I am all ears 🙂