Umbrella Insurance - Recommendations.

[Inderpreet Singh]

1. Any recommendation for an umbrella insurance? My investment property insurance would not provide umbrella unless I have all the insurances under them - Vermont Mutual and it's too much to move Cars[Geico], residence etc into one insurance just to buy one Umbrella insurance. 

2. Any other recommendation to ensurebthat umrella insurance is full proof and that it actually works and they dont bring that one disclaimer if and when it comes for actually paying for the insurance claim,  if ever.