Good personal umbrella insurance policies can typically be had for less than $500, per $1,000,000 of coverage, and you only need one umbrella to cover all of your personal lines (Auto, Home, Rentals, Boats, etc) Commercial Umbrella or Excess Liability policies, for 1-4 Family and Apartment Buildings will generally average at less that $700 per million of coverage and typically, one policy can cover all of your rental properties. 

You need an Personal Umbrella policy with a different company, that will cover your Home, Autos, and rental properties.

With auto deduct, they may take 1/2 point or so off.

That is, if you do something (car accident) and get sued, you are protected there as well.

Business Auto - How to handle the vehicle you are using for the business.  

Hey BP!I want to convert an old mechanic shop into one huge apartment with a loft and one studio. Please see images. Clean environmentals (Phase 1)Zoned for multi familyAll masonry, with 3 garage doors. Has anyone wor...

It was smarter than I any dog and never had an accident. 

Here is a rough breakdown of my quote of coverages:General Aggregate(Other than Products-Completed Operations): $4,000,000Products-Completed Operations Aggregate: $4,000,000Each Occurrence: $2,000,000Personal and Advertising Injury: $2,000,000Damage to Premises Rented to You: $300,000 Any One PremisesMedical Payments: $10,000 Any One PersonHired Auto and Non-Owned Auto: $2,000,000 Each OccurrenceI am not concerned about the annual premium (under $350) I am just wondering what other investors out there are getting as far as coverage. 

I found one totally by accident a few days ago:I'd been getting random text messages about once a week for several weeks, asking if I'd be willing to sell my home.

In which case, the umbrella should kick in on all your policies (e.g. your personal home, auto, etc.)...You should make sure that your contractors have their required General Commercial Liability (CGL) policy (and whatever other insurance they are required).