How much coverage are you talking about? $400 doesn't seem all that bad depending on the coverage.
My umbrella policy is an extension of all of my policies (auto, homeowners, boat, employer's liability). I would make sure that is the case with yours and also make sure the umbrella coverage kicks in where the others stop (i.e. no gaps).
My umbrella policy used to be dirt cheap but the cost is really going up over the last 5 years or so. For me, it's well worth the peace of mind it brings.
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