Would love to connect as I’m in a similar boat for the area. 

I was in the same boat as you, and I decided to pursue my license. 

@Renuka LokareHi Renuka - I am kind of on the same boat.

Hey Ryan, I know how you feel since I was/am in the same boat.

@Anthony KatsonisIt appears I'm in a different boat from most of you as I am in commercial real estate.

I'm in the same boat.

For instance, one might back up to a navigable canal where you can dock a boat while the house across the street might back up to another neighbor.

I'm in a similar boat of searching for my first hack.

Of course, its up to the OP to decide what is right for her.Part of the problem is an Umbrella is probably the most misunderstood policy in the forums.  9 times out of 10 non-insurance people will post an interpretation that is incorrect.Investors use/need an Umbrella to simply have Liability limits higher than what their General Liability policy can provide (max is usually $1M) over their rentals.If you had a contracting business, that Umbrella can extend higher limits over your commercial Auto, Work Comp, business locations, your product liability, etc.A Personal Umbrella can go over your Home, Auto, rentals, Boat, recreational, etc. 

The current state of affairs will drive BOAT loads of people to look for ways to pair down their expenses.