I want Umbrella but because I don't own any other assets in the US, the carriers in that area don't offer it.What is not clear to me is if the LLC is sued, but all they can show is a $170K asset, what else can they sue if the LLC can only give them $170K?

My point about your father-in law merely relates to how his insurance carrier would likely respond to a claim- coverage would likely be denied.

Some carriers are starting to come back and bid down premiums. 

@Nova Dear I would look into Shelter like @Joseph Konney mentions - Shelter insurance has phenomenal service, definitely one of the better carriers I've worked with.

They run one bill up and the switch carriers.

The reason is several carriers have pulled out of Texas with regards to landlord policies.

There's so many carriers still available in Florida - just shop your coverage and it shouldn't crush your margins any more than typical insurance does... maybe others are having worse experiences!

If you talk with your insurance carrier, they may help make the decision for you.We would never allow hot tubs. 

Apparently with all the different weather related issues going on, and uptick in claims, some of the insurance carriers are no longer writing  Landlord policies in Oklahoma. 

It’s entirely likely you would have to switch insurance products  - going to a commercial policy - but check with your carrier.