No. of Recommendations: 0
Which is it? What do you all think?

There is no THINK. Read the policy!

For example read this, although not a policy it does cover more than an extension of Home/Auto limits.

https://www.statefarm.com/insurance/liability/personal-umbre...

Personal Liability Umbrella Policies may provide:
Additional liability protection at a reasonable price
Protection against personal claims, such as defamation of character, libel, or slander, that may not be covered by your other policies
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