Excess liability across your home, autos, and rentals.

Why rentals raise the stakes

A rental is a liability magnet: tenants, their guests, contractors, and the public all create exposure, and a serious injury claim can run well past a landlord policy limit. Multiply that by every door you own, and the exposure grows with the portfolio. An umbrella raises the ceiling across the properties so one bad claim does not threaten the equity and income you have accumulated.

How it extends over rentals

An umbrella requires the underlying landlord, home, and auto policies to carry stated minimum limits, and the rental policies need to be scheduled or eligible under the umbrella. Coordinating this matters most as the portfolio grows and as properties are held in LLCs or other entities, which affects how the umbrella must be structured. We make sure every property is actually covered by the umbrella, not assumed to be.

Coordinating with how you own

How you hold title, personally, in an LLC, or across several entities, affects umbrella eligibility and structure. A personal umbrella may not automatically extend to a property held in an LLC, which is a common and costly assumption. We coordinate the umbrella with your ownership structure so the coverage follows the properties as they are actually held.