Which of the following is NOT a reason to purchase umbrella liability coverage?

Umbrella liability coverage is primarily designed to provide an extra layer of liability protection beyond the limits of your primary insurance policies, like homeowners or auto insurance. It covers legal defense costs, offers additional coverage above standard policy limits, and safeguards against major claims or lawsuits, all of which are valid reasons to purchase this coverage.

Opting for umbrella insurance does not inherently reduce your insurance costs. In fact, while the premium for an umbrella policy can be relatively affordable regarding the amount of coverage it provides, it is an additional expense. Its purpose is to enhance your overall liability protection rather than decrease your insurance spending. Therefore, reducing insurance costs is not a valid justification for purchasing an umbrella liability policy, making "to reduce your insurance costs" the correct answer to the question.