Duplicate of 


Sorry, I don't believe there is an option to delete a post and it got posted twice so just mentioning in one of them.


Probably a pretty basic insurance question but I need some help figuring out how to structure liability insurance for my rentals. I have four rentals properties in NC and they are all under one LLC right now. Currently I have liability insurance on each of the individual home insurance for 300K (for each house which I am aware is less). I was thinking of an umbrella policy to cover upto 2M. But then if I get an umbrella policy for that much amount, do I really need the liability on individual policies for each house? Also, should I insure my LLC for liability alongwith getting the umbrella policy OR, should I insure my LLC instead and not do the umbrella?

Basically, between the individual home insurance, LLC and an umbrella, what is an advisable way to insure for liabilty?

Thanks for your help!