For the most part, if your running real estate somewhate properly, the risk isnt your property causing you to get sued....Think of it as you are hopefully protecting you property from yourself in the event a motorist sues you over a car accident, you dont want them getting access to your real estate assets. 

I think almost half the cost comes from the teen driver.Additional $345 annual to add $1M excess uninsured / underinsured motorist coverage.A $2M umbrella on top of a $2M STR policy might seem like overkill, but it's a big three-story house with seven bedrooms, max 19 guests. 

This is not directly related to REI, but like I, many may have an umbrella policy simply because of rentals:There was that change in the law a couple of years back regarding uninsured and underinsured motorist coverage related to umbrella policies.My insurance company handled it this way:They automatically added the coverage to my policy and added an opt-out form I can send in.

**********************Motorists Mut.

I keep a policy on my personal vehicles and even have uninsured motorist protection.

If he wasn't, we have uninsured motorist insurance protection.

Kind of like how car insurance protects their client against uninsured motorists that cause accidents? 

Also, I carry 500k auto ins  bodily injury, uninsured motorist, and a 2 million dollar umbrella for the homes in my name. 

The worst one was a fellow co-worker/tow driver that I just had lunch with prior to him receiving the DPS call that he took that ultimately ended his life when another motorist slammed into him while he was cleaning.

Then again, it seems to me there may be even more long-lasting restaurants just slightly further off the mall, possibly because they're more visible to motorists and closer to the parking lots (South Street Brewery, Bang, Mono Loco, etc.).