Having just gone through an umbrella insurance process, I find it interesting that it's your primary product.

My understanding of umbrella coverage is like what you said: it's an adjunct product and a way to increase the fees on their other lines, which is why if you get umbrella via your existing carrier they generally enforce minimums on your auto (and home).

As someone with kids who drive, umbrella was much more complicated than expected.

I wish you guys operated in my state so I could run my numbers through you.