<prompt> Human: Is there any difference between maxing out autohome owners insurance and obtaining a separate umbrella insurance assuming the same limits are available? Just as a mental exercise, as I think Umbrella policies start at 1M and auto insurance seems to cap out at around 500k.  <response>: The umbrella kicks in after the auto, giving you 1.5 million.Also the umbrella insurance company will probably require you to take the auto insurance up to 300,000 at a minimum. So you cant have one without the other one. And you should really only have it if you have enough to protect otherwise it is not cost effective. 