Trouble getting Umbrella Insurance policy

[Tim S.]

My properties (single family rentals) are all owned by a TX LLC, none are located in TX. They are in WA and MO.

My local agent says I need a TX umbrella policy since the LLC is based there. She can't help me I need to work with a TX agent. So I got in touch with a TX Farmers agent, he's not sure he can write a policy either since I have no physical presence in TX, and none of the properties are located there.

It's pretty common for real estate investors to have a similar LLC structure. Where the LLC is based out of state from the properties and out of state from where the investor lives.

SO, how do have your policy structured in this situation?