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Excess Uninsured/Underinsured Motorists (UM/UIM) coverage on a personal umbrella is typically offered as:
AA mandatory first-party feature that is automatically included in every personal umbrella policy by default
BA coverage whose limit is automatically tied to and matches the insured's homeowners liability limit
CA coverage that fully replaces and supersedes the underlying PAP's own UM/UIM coverage
An optional add-on by endorsement, often requiring a written election and payment of additional premium
Why this is the answer
Personal umbrellas typically exclude UM/UIM in the base form because the umbrella is a liability product (third-party) and UM/UIM is first-party (the insured's own injuries caused by an uninsured/underinsured tortfeasor). Excess UM/UIM is offered by endorsement for additional premium, and some carriers and states require a written election or rejection at policy inception. The underlying PAP must carry UM/UIM at the scheduled limit for the excess UM/UIM endorsement to attach. The ISO DL 98 01 base form excludes UM/UIM unless an endorsement adds it; ISO's excess UM/UIM umbrella endorsements are state-specific.
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