All Forum Posts by: Lisa Ngo

I have landlord insurance but wanted to get an umbrella policy for additional protection. Because the Indiana property is my first investment property and is not in a LLC, I was advised to get an umbrella policy. I tried getting one through the same company as my landlord insurance, but they said they cannot offer me anything since I am in California and that I have to go with my auto insurance. I talked to my auto insurance (AAA), but they said I do not qualify because I have people living in my house who are not under my auto insurance policy. I am currently renting out rooms in my house so the renters have their own auto insurance.

Thanks everyone for your input.  I am trying to protect myself in case something happens to my tenants on the rental property and they decide to sue.  

Hello everyone. I am currently house hacking my primary residence in California and just bought a rental property in Indiana.  I tried getting an umbrella policy to protect myself in case something happens but was denied since not everyone in my household is under my auto insurance.  Is this generally true for all insurance companies?  Does anyone have recommendations of what I can do or where I can look to get liability insurance?  Thanks!