Which option is the most cost-effective depends on a few factors, like the current amount of liability coverage on your primary policy. There may be some cases where adding an endorsement to your existing primary policy is less costly than getting a personal umbrella insurance policy, but typically, the endorsement won't offer you as much coverage as you could get from umbrella insurance, so while it may not cost as much, that doesn't necessarily mean it provides the best value. One of the big benefits of working with a qualified insurance broker is that we'll go through the various options for coverage with you and help you choose the one that makes the most sense for your insurance needs.