Does Your Personal Umbrella Cover Vacation Rental Liability?

[Jeremy Clemons]

I have 5 vacation rentals and all have insurance specific to them being used as a short term rental.  I want to add extra liability insurance to the 300-500K offered in my policies.  I have a personal umbrella liability policy where my rental properties have been attached.  The question is whether a personal umbrella policy should cover a liability issue that occurs at my vacation rental property?  I have seen some suggestion that I need a commercial liability policy since the properties are being used as a business to generate income? Can anyone provide guidance or point me in the right direction?

Thanks,

Jeremy