Umbrella insurance is intended to give you coverage in excess of those numbers.

You can get $3M-$5M in personal liability umbrella coverage (“plup”) for under $1k/year, but have to max out the underlying policy limits first.

	▲	caminante 4 hours ago \| parent [-]
		And to add, you're already close to maxing out the underlying limits by default as required by auto lenders. If not financing, you should still...get similar levels to add umbrella. For the parent, an extra 1M umbrella is an extra $2-300/y and covers beyond auto!