I'm in South Florida, so I also have a separate flood insurance policy.The key (according to my CPA and insurance agent) is to get an umbrella policy.Of course, for claims, you don't want to use your own insurance unless you have to. 

I am 57 and need to build my retirement umbrella rather quickly.I could really use some advice on how to get in and build my investment future over a short period of time.

It’s more efficient for most ppl to get umbrella insurance and focus on operating the business with integrity.

Ok, to summit it up for for everyone....The sky is either starting to fall or going to eventually fall...BUT, if you have a big enough and strong umbrella, you should be fine.

Having an umbrella liability policy.

Your landlord's policy and an Umbrella policy are your best friends.

And then an umbrella insurance policy will cover liability issues for the property (which is what everyone thinks they need an LLC for). 

Lastly, open a Umbrella policy for the properties to protect on liability as they are now in your personal name.

All of my properties are financed personally, with title on my name (with an umbrella policy of course). 

Looks like Stessa has finally gone the way of the world and put all their essential functions under the "Pro" umbrella for $20 / month ($16 billed annually).I'll probably make the investment.