I live in California and I am looking for umbrella insurance.

I work full time, love to be outdoors, try out new breweries, and spend time with my pup.

Just have a nice big Umbrella Insurance Policy in case someone falls down your steps and the hand rail was loose or something.

I have some experience providing these types of outdoor tourism experience for clients already.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

Hi all, I have a complicated (at least to me) umbrella policy question.

my partner mentioned we each set up an LLC individually and form one as an umbrella when purchasing homes together.  

Seriously though, if there are rats in one unit, they are probably going to be in the other unit eventually.They like to eat cereal and will gnaw a holes in the cereal boxes.Sometimes the renters bring them inside with their move in belongings, from their old place, or they leave a door propped open during move in and an outdoor rat scampers in.They also will use the roof gutters like Habitrails.If you buy the place, you will have to get them out, they carry diseases like typhoid.You cannot allow them in your rentals.Good Luck!

Corp, that creates LLC's for each entity (property) separately, that also puts everything under a Trust/Umbrella of sorts.

Ultimately they will need some servicing but minimal as they are fixed systems built to be outdoors and degradation is less than 1% per year and guaranteed by manufacturers for 15-20 which is standard.You are able to give the tenants an electricity credit if the system produces 100% of the expected consumption.