Usually an umbrella policy has a stipulation regarding carrying minimum levels of insurance on anything you own that is insurable or risk voiding the policy under certain circumstances where liability comes into play concerning a non-insured item. For example I have an umbrella policy and it requires me to carry minimum levels of coverage on my house, vehicles, boat and snow machines. Certainly each insurance policy is different as are the requirements, but you definitely should double check what you have to ensure you're money and coverage is all good. Last thing you want to happen is to find out something was not done right at the time you need that coverage to kick in.
Much easier to do this if you carry everything through a single provider. I agree with a previous post, the way things are today it's not worth it to go uninsured.
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