Umbrella policy or not?

[Ellis Hammond]

I am about to close on my first duplex here in San Diego! Yay!

I have an insurance quote for around $60 per month that includes $1M in liability insurance (I am occupying the back so rate is lower bc its primary residence). Wondering if I should get an extra million dollars from an umbrella policy? 

Bigger pockets family what do you recommend? Is $1M enough or should I get $2M or more?