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.

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...

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. 

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). 

So here is what you can do about it, a lot of it according to Mike Butler's book Landlording on Auto Pilot (He was a cop before). 1.)

I see that Powelton Village has taken off, but wondering about the rest of 19104 zip code?

Here are quotes for what each is offering:AllState: $1,246.98 for 12 months, my rep with them said they offer 35% off landlord insurance (if bundling home and auto with them, which I plan on doing) so that sounds like it would be nice for when I turn the property into a rentalIscential Insurance Agency: $1,672 for 12 months, speaking with the agent who is an insurance brokerWith all quotes, I am making sure to get an RCV policy, Water Back Up and Sump Discharge or Overflow $20K Coverage and full dwelling coverage on Limited Hidden Water or Steam Seepage or Leakage (recommended this by my realtor in case of flooding).My questions are, what policies should I be looking for to best fit my investment plans long term?