Your easiest route is probably to get high limit dwelling fire policy with an umbrella.

For your annual $865 LLC fees you can buy a $4-5m umbrella.

But they will probably only be able to get like $100K of coverage - if you want more, then they will have to get umbrella, or you will have to shop for your own policy.The "vicious" breeds are no fun to have in a rental ...

If you get a policy with enough liability coverage, you can avoid the expense of an umbrella policy.

As you obtain other properties, you could look into an umbrella and general liability policy.

I have a personal umbrella insurance policy.We've been fortunate to have everyone pay.When the market comes back (7-10 years they're saying), I am getting the hell out cuz I know this is not a profitable way to go...I'm just trying to minimize my losses & take care of my family.

My agent is currently saying to push my homeowners insurance liability up to $500k and add a $1m umbrella.

Or is an umbrella liability policy sufficient?

This will be a rental property.I solicited quotes for landlord insurance and property liability (which I will supplement with a umbrella).

Violating the fair housing act can be very bad.You can get a personal umbrella liability insurance policy that will give you some protection against lawsuits.