Limitations with a Personal Umbrella Policy (PUP)

[Brian Phor]

Hi everyone!

I currently own two properties. Both of them are insured with a landlord’s policy from either Allstate or Safeco. I’m interested in getting a personal umbrella policy (PUP) as well, but I’m not sure if I’ll be covered for liabilities from the property that I don’t have a PUP for. 

Ex: I purchase a PUP from Allstate and an incident occurs on the property covered by Safeco. Would I be covered for the charges in excess of my claim limit for that property?

From what I understand, a PUP protects the policyholder rather than the property itself so it should work. I’ve consulted a local agent as well, but they were unsure and are currently looking for answers. 

Thank you guys for any answers you can give!