I hope you've got liability insurance because one tiny unforeseen accident can wipe you out financially if you don't.

This could be an "accident, disease etc" over which we have no control, but it should give "peace of mind".

It really is crazy the amount of horrific fires we've had the last few years. 

They're policy does cover a lot of things that would not be covered by a home owners policy, like squatters, bedbugs, damage to the property from a big accident, lost income for any major repairs, and a 1 million liability. 

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