Brad discussed different issues related to personal insurance. The policy limits need to be at level to protect current income but also future income potential in order to protect against lawsuits. $100,000 is now considered low because of higher jury awards. To get more coverage may only be a 10% increase in premiums.
Farmers offers umbrella coverage as an additional policy if you already have car insurance with Farmers. It covers liability beyond the limits of other insurance. Can also cover uninsured/underinsured people who do harm to you and cannot pay for your bills.
Give Brad a call to make sure you have enough coverage on your policies. He can get you discounts if bundle multiple policies (home & auto).