Getting umbrella policy while out of state - Help needed

[Christian Weber]

Under contract in Michigan, home was planning to stay in my name and I was going to when needed get an umbrella policy in my name (primary residence in florida) of a few million for it

however I am being told as I am out of state I cant get an umbrella policy on the home.

Insurance people - advice and info please. Thank you

[Jason Bott]

@Christian Weber the Vacancy issue will also limit your options.  As an alternative, there are some programs that can write a $2M$4M General Liability on the property.  Essentially providing the same limits an Umbrella would provide you.