Need insurance for out of state rental - MI

[Christian Weber]

Under contract in Michigan,

I was planning to keep home in my name and when needed (repairs are done and ready to rent) get an umbrella policy (primary residence in florida) of a few million for it

however I am being told as I am out of state I cant get an umbrella policy on the home, and if I could would be limited to 1mil

Insurance people - advice and info please. 

The home will be empty for around 3 months while we redo the roof etc so would it make more sense to get vacant home insurance initially and then switch it to another policy that will have at least 2 mil in liability

Thank you (I have no agent yet so if you take the time to reply with info and are licensed a deal is yours)