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@cbdbrian Updated original post which includes my driving history, etc.

@elizar123 Thanks. I don't think it includes excess UIM. Here's exactly what my RLI quote says: Limit Policy Premium UM/UIM Total Annual Premium $1 Million $406 $0 $406 $2 Million $739 $0 $739 $3 Million $988 $0 $988 $5 Million $1,300 $0 $1,300 Quotation is based on the following...

Out of curiosity, I just went through the online quote with RLI and got the same exact price, and also no substantive policy info. As far as I can tell she was just asking me questions from that exact same quote form.

@jriz Thanks What am I overlooking? By year end I will likely own over $500k of cash and equities. That exceeds my auto liability. And yes, I'll earn more in the future. I guess I assumed that's a given. Do you have recommendations on how to find a good agent? Frankly, I already find this...

@peichung Thanks How do you recommend using that site? It looks like it's for brokers and agents. Yeah, that's pretty much what I've heard. Thanks. That's good to know. That's actually what I found by going through the RLI quote on my own.

@leolion Thanks. I guess I'd heard of much lower prices in the past. For example > An umbrella policy with $1 million in coverage costs about $150 to $300 per year, according to the Insurance Information Institute. From nerdwallet in Sep 2021...

My total net-worth is on-track to exceed $500k by the end of the year. I have car and renters insurance via Geico, with car insurance liability and uninsured motorist coverage both at $500k. So I decided to go ahead and figure out an umbrella policy I couldn't do it online with Geico, so I...