Ok, so now that my wife has accumated more collectibles she wants me to buy an umbrella policy insurance to cover them.
My insurance company, Allstate says I need to max both my home and auto insurance BEFORE I can buy the umbrella policy! I have old cars so I don't carry full coverage but my small shoebox I live in is appreciating.
I live in lawsuit prolific California and live in the high cost of insurance/everything city of San Jose.
Any reasonable suggestions or guides?