I have one agent that can combine personal auto, home, and up to 9 more properties and it passes the combined home/auto discount onto the rental properties but I don't know if he can offer that to out of state investors. 

I work full time in the auto industry as a robot programmer and have been doing this for 10 years.

BTW, the AAA (auto club people) also sells landlord insurance and I got mine through them at good rates, through insurers I never heard off.

When we looked at it the killer was the cost of the increased auto insurance we would need to have in order to qualify to get the umbrella not the umbrella policy itself.

They sound the same, and in auto insurance the terms seem to be used the same, but it is very different in rental property.

That's all we said to him about it, as we wanted to weigh the various pros and cons.Next thing I know I get auto-letters from our lender saying they've pulled our credit (the required "this is your credit score" letter), and our agent has sent us an email saying our lender told him that we'd be approved on such-n-such terms, blah blah.I don't appreciate our credit being pulled without our permission, or our lender and agent discussing our finances and approval status together, much less without our knowledge or consent or even saying we were ready to move forward. 

After doing some research it appears that the best would be to get a Commercial Umbrella Liability Policy, which I understand could be separate from my residence/auto/basic rental house insurance, and cover unlimited number of residential properties.

•bank teller•grocer•child’s school teacher•pest control technician•air conditioning tech•auto mechanic•person in your office complex•receptionist at your gym•postal carrier•gardener•parking attendant•computer techTalking to AcquaintancesYour acquaintances will not be as enthusiastic about referring people to you as your group of people who you know well.

http://www.wsj.com/articles/texas-oklahoma-wyoming-oil-woes-start-to-hit-hard-1461749401Just read this article in the Wall Street journal, basically talking about correlation between drop in oil prices and credit card/auto/mortgage delinquencies.

Then into the following,*  Personal Umbrella, which would go over rentals, home, auto, boats, etc* Commercial Umbrella, only goes over rental propertiesPersonal Umbrellas minimum premiums for $1M can start at $150, then goes up based on # of autos, homes, boats, etc.Commercial Umbrellas typically start @ $750-$1200 per $1M depending on the state.