Umbrella Policy when you own 10+ rentals

[Brian M.]

I recently wanted to add an Umbrella policy. My insurance provider for my home and autos is Allstate and I have the coverages needed for an Umbrella. However, Allstate doesn't provide an Umbrella for customers who own more than 4 rentals.  I am finding that most of the major carriers are the same.

My question is, what have others done in this situation?  Would it make sense to forego the Umbrella and just increase the liability on the insurance I carry on each of my rentals from $300k to $500k or $1m?  Or get the Umbrella for my primary/autos and also increase the liability on my rentals?  Are there other options?