Having been in the industry for 26 years it’s nice to have an overlap between my profession and my hobby!!!For all the inadequacies of an internet forum compared with, say, Instagram, this particular forum has been an outstanding source of information about the minutiae of insurance policies. Such details are typically very difficult to tease out from either reading your policy or by asking questions, often because it's hard to know what questions you need to ask. Since following the various threads on the subject, I've upped my coverage and also added an umbrella policy. I'd never previously even heard of umbrella policies, having come from a far less litigious country. It's also become very clear to me now just why the US is so litigious, since there so is so little regulation around the minimum amount of coverage you can legally carry.
Anyway, I'd like to say thanks to all those in this thread and others who have taken the time to share their knowledge and expertise.