When I renewed my Homeowners, Auto, Liability Ins. I spoke to the Company and they told me I am covered under my Umbrella Policy - minus my deductible of course.

I am a Lifetime Member of the NRA, however most of their programs are meant to benefit THEM and not us. I don't mind donating to the cause (and I do), by I do mind being led down the rosy path only to be holding the bag if and when I need their protection. I have found in the past if you need certain protection - get it from the "right" source - not someone who is looking to raise revenue for another fight or an entity that it is NOT their primary business.