Tom is interested in purchasing a personal liability umbrella policy (PLUP). He has asked you to educate him on this type of policy. Which of the following is true?

a. PLUPs are very expensive.

b. Most people do not need a PLUP.

c. PLUPs are usually sold in million dollars of coverage.

d. Since Tom owns a home and a car with no other assets other than clothing, dishes, etc., he does not need a PLUP.