Umbrella Policy Clarification

[Troy P.]

Hi all,

I currently have 2 SFH rental properties with your average landlord policy covering them, and I recently contacted my agent to get a good umbrella policy in place for supplemental coverage, scalability for future growth, etc. She stated that I have to add an umbrella policy to my auto policy before it can be added to any real estate, and before I can do that, the coverage on my auto must be increased before they can write a policy on it. Is this really a thing? I was under the impression you can purchase a policy for real estate only without tieing it to auto or anything else. Could this be another example of Louisiana being a nightmare for insurance? Or am I missing something? TIA

[Stanley J Black]

@Troy P. There are insurers (personal, commercial, E&S lines) that will provide umbrella coverage without including auto depending on what state the dwellings are located in.  Most will require the primary residence to be included in the coverage.