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Updated over 4 years ago on . Most recent reply

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Chasing Vega
  • Member since Feb 24, 2021
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Chasing Vega's profile image
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Chasing Vega
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Chasing Vega
1
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14
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General Landlording & Rental Properties

commercial and personal umbrella

Chasing Vega
Posted

I got a quote for commercial and personal umbrella for a rental dwelling policy and the commercial is >1000USD and personal is 200USD. Do I have to use the commercial umbrella insurance or is ther personal insurance enough?

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David M.
  • from Morris County, NJ
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David M.'s profile image
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David M.
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David M.
  • Morris County, NJ
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David M.
  • Morris County, NJ
Replied

@Chasing Vega

Honestly, what does your insurance agent say?

In my layman's opinion, the personal is fine if you are holding title personally. If you are holding title in a LLC or formed a business around the rental operations, then I suppose a commercial policy is warranted.

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