Personal Umbrella policies

[Sam Dal]

Does anybody on these boards have experience with Stillwater (through Geico) and also Markel/personalumbrella.com - the latter's quote is $100 higher but I'm wondering if their customer service experience is much better than Stillwater. I'm not a landlord but this is just for personal single owner home and my current auto is through Geico

Also are umbrella policies mostly comprable or I should ask for a declarations page to study them to see what's covered or any specific questions I should ask?

thanks