One umbrella insurance for rental properties in different states

[Jerry Jones]

Hi,
I live in CA and also have a rental here. I got 1M umbrella insurance with farmers for both my residence and the rental in CA.
I bought two more rental properties this year. One is in WA and the other one in AZ. The farmers tells me that I can not add the properties from other states into my 1M umbrella insurance.
I am wondering if any of you could recommand an insurance company which allows you to do that? Thanks in advance.

[Nate Santillanes]

Hi Jerry,
I am a commercial insurance broker and we set up programs for investors like this all the time. Some captive companies (Farmers, Allstate for example) are unable to be as flexible as a broker. I would recommend contacting a local broker in your area and disclosing your situation. We work with investors to pull together many properties under one blanket policy and strucutre umbrellas over the top. Many times these properties are spread throughout the country and we don't have any issues.

If you'd like to talk to me further about it shoot me an email.