Quoted from Whysnow:1x, 1.5x, 2x, 5x?
how much ratio is good?
It seems an umbrella is not too expensive to add/ up the coverage.
I loathe the insurance industry. I think they are running one of the biggest con games out there. That being said, I am not sure getting a larger umbrella is a great idea, as you are just providing a larger target for people to aim at.