That's a tricky question. An insurance mentor that I once knew always answered, "I'll let you know as you are walking out of court." Not very helpful, unless you can predict the future.
Without being a prophet, you can still remove some of the guesswork. Citizens Insurance came out with a new calculator that can help. Although they refer to it as an "umbrella calculator", you may not need to purchase an umbrella policy to get the level of coverage that you desire. An umbrella is a million dollar policy (or more) that is inexpensive and provides coverage beyond your auto and/or home policies in the event of a lawsuit. It's a great deal for the amount of coverage that you get. However, not everyone may need one. If you do not need another million dollars of coverage, you can also consider simply increasing your liability limits on your auto and home policies. We can help you decide which is the most affordable option.
Start here by checking out the Citizen's calculator and then shoot us an email with your results. We'll review it and contact you to discuss the results.