conversation: User (throwawayrefiguy): "Inspired by another post about auto insurance, I just got off the phone with Esurance's umbrella carrier, USLI (rated A++, for what it's worth).  They quoted me $187/yr for $1MM and $330/yr for $2MM. There isn't a ton of data out there on umbrella policies (unlike life and auto, which feature all manner of research and quote comparison tools).\n\n\nDo these quotes seem reasonable?  Any other recommendations on carriers? "
  Self: "I pay for the umbrella. I rather have piece of mind against damages or lawsuits. It is cheap for the amount because it is rarely ever used, but to me less than $20 a month is worth piece of mind."
  