Insurance umbrella or just liability???

[Bryan N.]

I was considering getting a $1M umbrella policy for $22 a month. I went online to get a quote on Rental Property Insurance (USAA calls it that) for a SFH I am evaluating. The quote showed for an additional 45 cents per month, I can get $1M in liability coverage. Should I even bother with the umbrella policy? ***This will be my first investment property***

Thanks for any advice

Here is how they define the coverage:

Personal Liability - Each OccurrencePersonal Liability provides protection if someone makes a claim or files a suit against you (or someone covered by the policy) for accidental personal injury or property damage and the cost to defend any such claims or suits against you. Your limit of coverage should be high enough to protect the total value of your personal assets, including your home. Example: if someone slips and falls on your property and sues you, this coverage would protect you.