I think some DIYers are under the false impression umbrellas or home owners cover all this and/or if they build to code they have insurance against liability laws, I won’t be banking on that anytime soon.

19 SFHs, 1 LLC, 1 umbrella policy, one business checking account, 1 spreadsheet, 1 pickup truck, 1 mobile phone and Cozy. 

Dear Hard money and Private Money Lenders,I'm new to Flipping /rehabbing after going through a 6 month immersion/coaching/mentoring program in RE investing, so while my company may be new, I have definitely wet my feet under the umbrella of my coaches.

We got rid of the LLC and just got an umbrella policy.

I've always carried heavy insurance, $1MM umbrella (now at $2MM).

You are including your umbrella and earthquake which add considerably.

I think some of the larger national companies have smaller companies under their umbrella that may specialize in larger properties - Zurich, Nationwide (though it may be branded something else) among others.

Their umbrella policy is great too if you want to add your rentals to it; although there is a limit to the amount of units you can add to the umbrella.  

An umbrella insurance policy will suffice to get started.  

oh, I have an additional umbrella policy, forgot to mention. ty for reminding.