And all the tenants' security deposits and all the buyers'Earnest Money Deposits don't need my asset protection, as they are not my funds, and are certainly not covered by any of our Umbrella Insurance Policies. 

Many companies offer 300K max and above that they'd need an umbrella. 

Quote from @Eric Huang: Hi BP Community,I’m excited to be back on Bigger Pockets!

@Monish Anand Bigger Pockets has an 'agent finder' tool.

-Have an extra umbrella policy-Speak with my real estate attorney to make sure I did enough to limit my liability. 

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

So you don't need an umbrella.

We have rentals, home, auto and umbrella with them. 

@Inderpreet Singh  I use Liberty Mutual for my umbrella and have been very happy with them.