Umbrella policy is for what?
If you haven't paid off your house, why bother~~~
and some states have 100% homestead exemption. so your house can never be
claimed as liability of any kind.
some other states' houses are really cheap. No need umbrella...
Only if
(1) you have an expensive house
and
(2) you have a large equity on that house
and
(3) homestead exemption can't cover the equity
