Has umbrella insurance.5.

I manage 5 doors and 4 LLCs under one umbrella company. 

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 likely to be higher, then you may consider an umbrella insurance policy.

I contacted our insurance company to ask about an umbrella policy however he said you cannot get an umbrella policy if the house is in a trust.

Your umbrella typically applies when the liability on your underlying policy is exhausted.

Just get a $1-2million umbrella policy to protect yourself.

can get an umbrella policy (asset protection for non-dummies)

This is a good starting resource - https://www.ftb.ca.gov/file/bu...If its just 1 or 2 properties, you might want to weigh to see if its an overkill in terms of administrative cost, might be better just to buy umbrella insurance.

., but you will need two policies, one general home insurance, and one landlord policy.I would also explore umbrella insurance.

In addition you could get an umbrella policy over both