Insurance
Market News & Data
General Info
Real Estate Strategies
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/hospitable-deef083b895516ce26951b0ca48cf8f170861d742d4a4cb6cf5d19396b5eaac6.png)
Landlording & Rental Properties
Real Estate Professionals
Financial, Tax, & Legal
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_trust-2bcce80d03411a9e99a3cbcf4201c034562e18a3fc6eecd3fd22ecd5350c3aa5.avif)
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_1031_exchange-96bbcda3f8ad2d724c0ac759709c7e295979badd52e428240d6eaad5c8eff385.avif)
Real Estate Classifieds
Reviews & Feedback
Updated over 6 years ago on . Most recent reply
![Stephan K.'s profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/161820/1621420352-avatar-stephank.jpg?twic=v1/output=image/cover=128x128&v=2)
umbrella policy
Hi,
To cover additional personal liability, I am looking for an umbrella policy. All our properties are with Citizen, all are in Florida.
I would love to have an extra $1,000,000.
Any recommendations?
Thanks
Stephan
Most Popular Reply
![Jason Bott's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/231089/1621434866-avatar-jasonbott.jpg?twic=v1/output=image/cover=128x128&v=2)
@Peter J. the type of Umbrella you can get will be determined by the type of policy you have covering the rental.
If you have a policy with Personal forms, you can only get a Personal Umbrella.
If you have a policy with Commercial form, you can only get a Commercial Umbrella.
The confusing part to all of this is that you can have a Personal form policy be written for an LLC, then leads people to believe it makes it a commercial policy.
As far as coverage between the 2, there is little to no difference besides being able to cover your personal Home and Auto under a Personal Umbrella.