Can you share which company your $5m policy is with? I'm considering umbrella coverage, and $25/month is a crazy good deal.
Check the bogleheads forum for discussions on insurance.
This isn't universally true - I have an umbrella policy with USAA. They require me to have a minimum of coverage on my home and auto to have the umbrella policy, but it's not the maximum they offer. It's a couple tiers down.
Of course, the price for the umbrella policy might depend on your home/auto coverage.