You should consider bundling. I've seen discounts of $400 off the auto and $200 off the home.

Umbrella your auto policy needs to be at least 250/500.

Make sure your liability is at least 500k and you have a decent amount of sewer/water backup coverage.

Get service line endorsement as well.

They have identity theft coverage of 25k and it's $9 a year.

All in all a great product.