For CA residents, maybe a basic umbrella policy would suffice?

Re umbrella, I'm doing that regardless. 

That's a lot of different things going on and I'm researching to see if they can or should all be under one umbrella.

.- Add Property Insurance- Add to Umbrella policy insurance10When you’re about 5 days away from closing you should call the utility companies and ask to “Transfer Utilities” for the date of your closing.

They said best thing would be a standard fire policy, and then an umbrella.

I'm looking for a company that would work well investors, specifically lower rates due to multiple houses being insured, easy management of multiple properties, and perhaps an umbrella policy for coverage above and beyond the norm. 

The greater number of properties you have the more you have to look for an umbrella policy that will provide some insurance coverage.

Does anyone have umbrella insurance on top of this?

(I'm not a lawyer)But I think, if you want to do get better asset protection, you'd need both properly setup LLC and also get an umbrella liability policy.For what it's worth, I set up my LLC for $50 to get my articles of incorporation, I have a simple operating agreement that I got from the internet and I set up a different bank account.

I want to have the property held under the LLC for liability protection but I may have to go with an umbrella insurance policy instead.