Liability Insurance 1M vs 2M

[Cody Campbell]

Hey BP community, I've got a question on liability insurance that goes with each of our properties. We have 5 duplexes and 7 SFH (all between 80-150k value) our current policy has 1M liability per occurrence and 2M aggregate on each property. We are thinking of increasing to 2M per occurrence and 4M aggregate...for me this makes me feel all warm and fuzzy inside with higher liability limits, BUT is this overkill?

Anyone ever had to use there liability portion of there insurance? Wish they had higher liability insurance or is 1M a good amount and standard?