Liability买多少的？
需要照顾到目前资产总额以及未来的工资。高薪岗位或者预期将来从事高薪岗位的（码农、医生、律师等等），建议至少买$1M的umbrella policy。比如医学生还没工作时候就会被建议购买。
How Much Umbrella Insurance Do Doctors Need? | White Coat Investor
“Your umbrella insurance policy should at least cover the value of the assets you want to protect.”
“… your future wages could be garnished even when you are a med student”