[Rick Lee]

I called USAA today to lower the deductible for the fire policy on my condo from $1000 to $500. Costs a whopping $28 more per year. I'll take it. Anyway, the lady asked me if I wanted to discuss an umbrella policy and so I decided to play ball. I'm not worried about getting sued, but car insur. limits in AZ are low and we have a ton of uninsured around here. They were going to give me a $1 million umbrella, but because I had called them about the leak issue with the neighbor in VA, they said they can only do it piecemeal and exclude the condo until that whole thing is closed. Seems to me these policies are pretty cheap, given the headaches they could save me. I'm not rich, but I'm not judgment-proof either. Anyone else have such a policy?