Thanks everyone. 64110 seems to resemble the Charles Village area next to John Hopkins University in Baltimore.

Sold my lot in Skan village for 45k yesterday with a tear down house on it.

In reality, does it really matter if I have an unexpected auto repair or hot water heater expense.

You would have to bundle all your homes, autos, rentals, etc and send it out for quotes to all of the personal lines companies.On the commercial side, $400 per $1M is as low as I have seen it.If your current policies have $1M General liability per location, and NOT a combined limit of $1M for all locations combined, then a $1M Umbrella puts you in a good spot.If all 7 units were in 1 building, then you could argue the claim could get much higher, and a higher Umbrella limit would put you in a safer position.Unfortunately, there is not correct Umbrella limit or exact science to it.  

It has some things auto filled in that could be edited out for use.http://russellpm.com/application/files/1514/6358/7...Thanks,

Notice at end of lease/auto renewal?

Once the property is on auto pilot, sure, do it yourself. 

We started off using Allstate for our rentals since we had them for our home and auto but since then we have moved all of our policies to Auto Owners.

Auto dialers, without consent of the recipient, is illegal.

Talac Village seems to have appreciated quite a bit, which is just one neighborhood over.