when to get an umbrella policy?

[Mike Landry]

I just want to get some opinions. 

For a new investor starting out, when would be a good time to get an umbrella policy? 

When you hit a certain number of properties? 2 houses, 6 houses.

When you have a certain net worth? Broke vs 500k vs 1 million?

How do you determine how much liability you need? 1 million, net worth?

Also, additional liability on a house is relatively cheap. Would you raise the liability on individual plans to the maximum first?

Thanks