What underlying limits do I need before getting an umbrella policy in Georgia?

An umbrella policy requires minimum underlying limits before it attaches. Most carriers require $300,000 homeowners liability and $100,000 per person bodily injury and $300,000 per accident on auto liability. If your current limits are lower, you will need to raise them first, which adds a small amount to your primary policy premiums. The total cost of umbrella plus raised underlying limits is still far less than the protection it provides.