Does Umbrella Insurance require max coverage on car insurance?

[Josephine Breign]

Hi BP! This question is for landlords who chose Umbrella Insurance instead of putting their properties in LLCs. Seems like the UI only comes into play after all other insurance limits are reached. We're having trouble getting cheaper car insurance because the UI we have for our property (which is under our name) requires the max limits for our car insurance. Hope I'm explaining this correctly. Is this the norm?