STATE FARM AGENTS: Client has an umbrella with State Farm and only...

STATE FARM AGENTS: Client has an umbrella with State Farm and only carries $100k on home liability. I though most (all) carriers had a min $300k-$500k requirement to carry an umbrella!? They have been with them for a long time but I cant even imagine however long ago that they wouldnt automatically review umbrellas to maintain the higher limit.