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Rental property

Umbrella insurance for landlords

A landlord's liability can exceed a landlord policy's limit. An umbrella can extend over each listed rental with the required underlying liability. Properties held in an LLC may need a commercial umbrella.

What to have ready

  • Every rental address and use
  • Underlying limits on each
  • Personal or LLC ownership
  • Pools, docks and amenities

Short-term rentals

Some personal umbrellas exclude short-term rentals. See FloridaVacationRentalInsurance.com.

Coverage depends on the policy, the insurance company and underwriting approval. Nothing here is a promise of coverage or price.

Common questions

Rentals in an LLC?

Usually a commercial umbrella. Ask your agent.