I have been very happy with AMICA and their umbrella policy - max 5 doors though.I am saving ~30% from Liberty Mutual and Northwest Mutual.BRAMPONE at AMICA dot COM has been super helpful to me - send her an e-mail for a quote.Good luck.Flavio

Your best protection is to get an additional umbrella insurance policy on top of the one you will already have. 

That's why it's worth having a sizable umbrella liability policy...

I also have $3,000,000 in umbrella coverage for liability

For our Honolulu, HI rental we provided all basic beach items (cooler too), umbrella (hot rainy days), spice rack, Hawaii coffee and chocolate mac nuts, and a welcome hand written note.

3) Taxes costs - Costs extra to do taxesPros; 1) Protection of Assets - I have an umbrella policy on my 2 properties.. would this defeat this benefit?

LLCs can add an extra layer of liability protection (in addition to following code, using licensed contractors, having an umbrella policy) but working in LLCs prohibits use of conventional loans.

You gotta be like a duck with an umbrella, let that stuff just flow off your back. 

I also still think paying it off is the way to go... and an umbrella insurance should cover potential lawsuits.

He was talking about something like a $300k liability per property, a $1M commercial blanket over them all, and then also have a $1M umbrella in place for a total of $2.3M in liability coverage.