I am also a public speaker, author, sometimes radio show host, and if I was better looking I would have a TV show (been interviewed 6 times) All of those things fall under my real estate umbrella.  

If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

Since there are 26 different departments across 6 different companies under the MACK Companies umbrella, it took time to get it right. 

Just remember if you are on a buy and hold that it will be a good amount of money that you will have to come up with/lose if you need to take one of the properties out from under the umbrella.  

I believe you need an underlying insurance policy in order to get coverage from an umbrella policy.

Get an umbrella policy.4.

And to be safe, I'd make certain (if you haven't already) I had a good umbrella policy to cover potential damage in the event a tree lands on his yellow Corvette. 

Hopefully you have an umbrella policy to protect the rest of your stuff. 

Not ADA or ACAA.A follow up question to my last post, in terms of how HUD has grouped service animals and ESA together and just put both under the umbrella of "assistance animals". 

If you have only one 4 family you probably don't want an LLC and rather focus on running a sound business, don't show too much equity in the property and carry good insuarnce plus an umbrella policy.