20 SFHs, 1 LLC, 1 umbrella policy, 1 checking account, 1 spreadsheet, 1 laptop, 1 mobile phone, 1 pickup truck, and Cozy.

The reason for the umbrella policy is the business - it increases my net worth (so I'm a better lawsuit target) and it increases my liability (tenants, contractors, the neighbor who walked by and slipped on the ice). 

I would also suggest you invest early in an excess liability, or even better, an umbrella policy.I would recommend working with a knowledgeable independent agent to advise you on your individual circumstances.

Have a large umbrella policy in place overtop the individual policies.)

On the first policy they weren't explicit on not renting when they wrote it, but this time they are.The difference in price between the two policies could pay for remodeling the home from flood in 8-9 years.Could I get the cheaper policy to satisfy the bank in the amount of the loan, then a cheaper policy to cover my liability, or an umbrella.

If you do place back into your name, you may want to compensate with a little more insurance or an umbrella policy.

As for Invitation Homes, they do own 80,000 plus but they’re under the umbrella of Blackstone’s Real Estate division.

I actually got a better deal by including my homeowners, auto, and an umbrella policy all with one company.It's been a couple of years, and I'm still with the same agency and underwriter. 

Any chance that an insurance policy (umbrella or otherwise) can help cover this fraudulent activity? 

We are also considering just doing an umbrella policy instead depending on the complexity of doing the LLCs.