After looking into the question of whether or not to create an LLC for our investment properties, we decided the better option for us was to simply get more liability insurance, specifically an umbrella policy to cover all properties up to a few million dollars.

Trouble is, getting such a policy has proven difficult.  Our regular insurer, State Farm, does not do such coverage anymore, and after checking with several well-known national carriers, I found only one that offered it, but the lead agent couldn't be bothered to put the details in writing in an email.

There must be companies that specialize in this kind of coverage, I figure, and there must be other property owners in a similar situation who have such insurance.  Hopefully there are some reading this post.  Does anyone have any suggestions?