Of course, its up to the OP to decide what is right for her.Part of the problem is an Umbrella is probably the most misunderstood policy in the forums.  9 times out of 10 non-insurance people will post an interpretation that is incorrect.Investors use/need an Umbrella to simply have Liability limits higher than what their General Liability policy can provide (max is usually $1M) over their rentals.If you had a contracting business, that Umbrella can extend higher limits over your commercial Auto, Work Comp, business locations, your product liability, etc.A Personal Umbrella can go over your Home, Auto, rentals, Boat, recreational, etc. 

Village have their own rules so do HOAs.

We talked about installing auto fills and in retrospect he probably just didn’t want to do it.

Only to receive an auto-reply that he would not be back in the office for a few more days.

But, you have to have the base coverage first.When having everything under your personal name, the umbrella will provide the additional coverage for everything your own personally and declare on the policy, For example, auto, your personal home, etc.

Blue Cross Blue Shield is headquartered thereUnum ProvidentCBL & AssociatesCigna HealthAmazonU.S XpressTVACokeVolkswagen McKee foodsErlanger Health SystemElectric power board Growth drivers is auto and tech startups.

I changed mine because of auto renewal, to many times tenant would blow me off before the lease ends on the renewal term so I cant change anything since they wont sign a new lease and it auto renews.

They were supposed to give 30 days notice they wanted out, otherwise it auto renews.. 

Required coverage:  General Liability, Business Auto Liability, Workers Compensation and Umbrella Liability.  

Yep, my umbrella was with my auto / home carrier since driving represents the most risk.Prior to offering an umbrella, I was required to max my liability limits on all policies.