The F&I section is off to a slow start so I'll throw one out there that has been weighing on me

Who here has an umbrella policy that covers the Boat?

I have been increasingly concerned about what happens if I were to cause a major accident while towing. Whether my fault or not I am sure the idiot pulling the "cigar" boat would end up catching some blame and a couple hundred K in insurance won't go far.

USAA was willing to write but was quick to exclude the boat. Although they did require that I have 500k in motorcycle insurance which I thought was astronomical.

Any thoughts or recommendations?

Never had a claim or moving violation, no liens on boat, own house, etc....