Umbrella liability insurance

[kareid]

This may seem like a strange question, but does anyone have an opinion on umbrella liability insurance?  Is it worth it or a way for insurance companies to scare you into paying them more money?  As I start to have some actual assets, I'm wondering if I should consider it as a way of protecting myself against stupid people suing me, since that seems so popular in the US.  If anyone has a policy, how much coverage did you decide to get and why?