An umbrella insurance policy would give much more protection.  

I have them in my name with an umbrella policy. 

It's funny how some people say an umbrella is useless until it starts raining, continued success to all.

I don't if that means it is the same service in the apartments.com umbrella or if cozy users have been moved to apartments.com version of the service.   

It should remain to be low or very low.Insurance- You should include landlord liability or an umbrella policy.

@Matt Nico An Umbrella policy does not provide any coverage for Property damage.  

You can increase your liability coverage with an umbrella policy (provides coverage if the limits on your home or auto policy are exhausted in a claim).  

Clint Coons from Anderson has great stuff that he puts out on youtube and social media.Anderson Advisors recommended doing an umbrella LLC structure if you're setting up multiple properties, especially in different states.