USAA tells me that they will cancel my Umbrella coverage if I don't have all my properties and vehicles insured with them.Are there any companies that will give me an umbrella policy without having everything else with them??

I have an umbrella policy that covers me up to 2.5 million.

Now, moving forward I have an umbrella insurance policy, and will be opening an LLC for my current rental property.

I have nearly 75 SFR rental properties right now in Texas and Michigan and my umbrella policy is now omitting dog bites.

Also check umbrella and personally liability insurance.

If your a buy and hold investor, are you planning on putting the properties into one persons name and getting traditional (30 year) financing (traditional mortgages are for individuals, not LLC's) An umbrella policy for a few million is a cheap way to take care of liability, and even if you have it in a series of LLC's and your 5 entities from it, if your involved in the rehab, and someone gets hurt because of neglect or something you should have know, you liable...and if your managing a rental and something goes wrong, your just as liable.

Seems that if they packed enough employees under the corporate umbrella of the "temp agency" they could get better group discounts."

Apartment building is a profession, inside a larger profession umbrella called "real estate investor".

Generally a standard umbrella insurance policy can protect you from a large amount of liability ($500,000 to $1 million).

If you hold rental real estate there may also be specific liability coverage you should consider.In addition to that, you need to seriously consider getting a personal umbrella liability policy.The thing about insurance is many think it is expensive until they need it and unfortunately, most state laws prohibit back dated coverage now.