The only time the umbrella policy wouldn't cover you is a catastrophic accident that you are judged to be liable for such as driving drunk and killing a brain surgeon.

And ignore fact of the HORRIFIC returns?

So even if you pick a state with stronger protections like WY or NV, the cause of action arose in the state where the tenant fell, so likely that the court where the accident happened would have jurisdiction.

That means, "NOBODY REPRESENTS YOUR BEST INTEREST" when you use some insurance companies.As for purchasing insurance for my rental properties, I don't worry about what company is the best for paying when there is a disaster because in my past 55+ years in business I never filed one insurance claim and never had someone file against one of my insurance policies with the exception of auto accidents.

Also dogs are pretty good about only going outside and rarely have an accident indoors, but cat's will pee on anything and cat pee has so much stronger odor.

@Bill GrahamThis would not be covered and if there was an accident or worse an injury then they would not cover you either

end of the day PM is the most critical component.. there are a few folks our there that have put up some pretty horrific type transactions that's morris / oceanpointe based on BP feedback so make sure you don't fall into that trap.Other wise this should be no different than running to your local broker and buying any other property 5 minutes from where you live.. 

It was a pure accident.

So even if you pick a state with stronger protections like WY or NV, the cause of action arose in the state where the tenant fell, so likely that the court where the accident happened would have jurisdiction.California tends to have more laws on the books and requirements and restrictions that it can be a good idea to form a CA LLC for out of state property so that you as a CA resident are covered, and to try to have your contracts fall under the purview of CA courts.

So even if you pick a state with stronger protections like WY or NV, the cause of action arose in the state where the tenant fell, so likely that the court where the accident happened would have jurisdiction.