Your thoughts about my Landlord Insurance quote?

[Esther S]

I've been lurking for a while but would love your take on my landlord insurance quote from Safeco (I have my Auto and Renters Insurance with them):

Coverage
Dwelling: $230,000
Other Structures: $23,000
Loss of Use: $23,000
All Perils Deductible: $1,000
C - Personal Property - Broad: $5,000
H - Premises Liability: $500,000

Premium: $668

What do you think?

Also, do you think we need an umbrella policy with this? We are accidental landlords. We live in PA but our property is in MN under professional property management.