Geico Umbrella Will Only Cover 4 Units

[Marco G.]

Hi all -

Currently own a 1/2 duplex and in escrow on 3 duplexes, which would bring  me to 7 rental units total (all in TX).  Called GEICO to see about upping umbrella limit and adding properties and was advised they only insure up to 4 rental units.

Advice given was to put four units on the umbrella and obtain a commercial policy for the other three, but they don't write those policies. Or get an LLC. But due to financing already in place, can't do an LLC. Has anyone run into this issue before? I was going to hold the new properties (like my current one) in my name. Would creating a trust and holding them there cure this issue? Or any advice on the insurance? Go commercial route or find another insurer without this limit? Thanks in advance! Learned tons reading, glad to finally be moving on something!