New Investor - need another umbrella?

[Dave Blackman]

Hi there,

I currently own a primary residence in California, and am closing on two SFH's in Missouri -- I have a Umbrella policy in place to cover beyond my homeowner's insurance for my primary home in CA, but my local agent says I can't add the MO properties to the Umbrella, and referred me to a local MO agent who wants to write me another Umbrella for those. Is this correct? Do I need a separate Umbrella for every state I buy property in? The Umbrella is with Allstate, so you'd think they'd be able to underwrite across state borders. Appreciate any thoughts/advice!