Perhaps she had a package with $500,000 primary and $1,000,000 umbrella = $1,500,000. Sometimes home and auto and umbrella are in one policy, sometimes two or separate policies but many of our clients have at least $1,000,000 over $500,000 often higher umbrella limits.
Who in the HO market writes PL limits greater than $1mil? In most states, the limit is $1mil and a Personal Umbrella has to pick up the excess.
Perhaps she had a package with $500,000 primary and $1,000,000 umbrella = $1,500,000. Sometimes home and auto and umbrella are in one policy, sometimes two or separate policies but many of our clients have at least $1,000,000 over $500,000 often higher umbrella limits.