Umbrella policy won't cover rental

[James Sebastian]

Hello all. We have our primary home, auto, and an umbrella policies with one insurance company.  I have a rental house covered by a different insurance company (through the same agent) because the first company either refused or was way high on a student rental.

We renewed and increased the umbrella policy, and I just realized they will not cover anything at the rental property.  I feel like that kind of defeats the purpose... Anyone know if this a common situation?  Should we look at increasing the liability coverage on the rental instead?

Thank you!