How to get an umbrella policy as non-resident

Question

I have landlord policies for my rental properties in TX and AL states, but I am not able to get an umbrella policy form my current insurance company, because I do not have car insurance and primary residence in US, as I am not a resident in US. How can I get an umbrella policy for my rental properties? Thank you.

Brian Howse · Answer

Hello @Lin Yang, what state is your properties in? I am more than happy to connect you with an insurance agent if I can't help.

Lin Yang · Answer

I am in a similar situation. Were you able to purchase umbrella insurance for your properties?

Chungying Chu · Answer

That will be great. Thank you!

Michael Norris · Answer

I'll reach out to my contact and send you a PM if that is ok?

Chungying Chu · Answer

@Michael Norris

Thank you. I have a few properties in both Texas and Alabama states.

Michael Norris · Answer

I may be able to help - what state(s) are your properties located?

Chungying Chu · Answer

Thank you for the information. I understand I can increase liability in each individual landlord policy, but one single umbrella policy is much more cost effective when I have multiple properties. As for premises only liability, this is my first time to hear it. Will that be only for one property, or cover multiple properties like umbrella policy?

I was told that some commercial insurance companies are able to provide umbrella policies without auto policy and primary residence. But I just don't know where I can find them. My current insurance agent only deal with residential insurance companies.

Brian Howse · Answer

I would ask if your company provides premises only liability coverage. It is the same as an umbrella when it comes to liability coverage and covers you if anything happens but the difference is it only covers the property while umbrella covers auto and property.

Charles Carillo · Answer

@Chungying Chu

If you want more liability coverage, ask your insurance company if you can increase it. Most small landlords will choose $1,000,000 in liability coverage, but in my experience, you can ask them to increase this.