[amluto]

Every US insurer I've every spoke to will do it if you say the magic word "umbrella".

(Seriously, it's quite magical. A high-limit umbrella policy plus a minimum-limit homeowners' or renters' policy and minimul-limit auto policy is generally less expensive than moderate-limit policies without the umbrella.)

[kube-system]

Even many umbrella policies max out at $5m, which is still below the car insurance minimums required in much of the EU.

The reality is, in many parts of the US, half or more of drivers have minimum coverage or zero coverage.