Condo Rental Property Insurance

[David F.]

We own 3 rental properties in California: 2 condos and 1 single family. All three are in our own names. We have primary insurance on the single family, but the condos are covered by "walls in" insurance from the HOA. We also have a personal umbrella policy that we were told would cover us for liability for all three properties.

We have been shopping around for lower insurance rates, and was told that our umbrella policy would not kick in on the condos until the primary insurance paid the first $500,000. Since we do not have primary insurance on the condos, we were told we would have to pay the first $500,000. Is this correct?

What do you recommend we do to insure our 2 condos for liability? We were a little scared to find out that we have basically been uninsured on our condos.

Thanks for any advice!