If you are worth “something” then you need the umbrella policy.

Also, most Umbrella Policies only pay out if your underlying policy pays out, and the underlying policy will do everything they can to find an exclusion or that you were negligent (which you probably were) in the cause of action to get out of paying the claim.

Simply safety screening criteria.

I have landlord policies for my rental properties in TX and AL states, but I am not able to get an umbrella policy form my current insurance company, because I do not have car insurance and primary residence in US, as I am not a resident in US.

Quote from @Brandon Larson: It's important to have established policies and procedures, but I wouldn't put a lot of effort into that with only a duplex under management.

Loss of rental income is only covered if it is listed in your policy.  

Subject: Difficult Tenant: Escalating Issues & Safety Concerns (Former On-Site Resident) - Multiple Witnesses - Seeking EvictionBackground:I am a landlord renting out a room in my property.

I’m curious to hear from private real estate investors who’ve faced unexpected insurance claims and were protected by an umbrella insurance policy.We often see discussions whether investors should use an LLC or an umbrella insurance policy.

I have home owners insurance should i buy another landlords policy as well?

"I mistakenly had a rental policy instead of a builder’s risk policy."