umbrella insurance?

[Joe Boggin]

i have one rental property.  i also have a new car and a primary residence where my wife and child sleep!  should i purchase an umbrella policy with 1mil in liability coverage or purchase a stand alone policy that covers just my rental but has a 500k liability coverage? 

the stand alone policy that covers rental property with 500k in liability is 725/year thru Foremost

umbrella policy that covers primary residence, vehicle, and rental with 1 mil in liability is 3512/year with Liberty Mutual.  (Liberty Mutual does my homeowners and vehicle now for just about 2280/year) so the rental adds 1232/year