I know I sound like a broken record but call Chubb for a quote also there's MetLife in your area. I know them to be a carrier that willingly affords conversion the event of an insurable loss.

So Chubb / met life will be more expensive that what your paying for now - but you're buying real insurance.

When something bad happens you your assets - they look to cover you.

Most carriers you see advertising are trash - their business model is to NOT pay you or to pay you as little as possible when they have to pay you.

Call Chubb and met life and look for a bundle home, auto and umbrella.

If you can't afford those 2; and you have to stay with state farm then get them to bind your umbrella.

You don't want to split the umbrella.

Umbrella policies follow the underlying policy; if the primary declines your claim - umbrella is likely to do the same. Which is why you want to keep it under the same roof.

But you want them both with a trustworthy and notable insurer.

Everything I own is insured with Chubb.

It's definitely more expensive; but I've been handling claims for years - no one covers you like Chubb does.

It's white glove claims service and with someone happily writing you checks to replace / repair or rebuild your damages / lost or destroyed valuables.