[quote=Coronita]
I think my umbrella is through a company called RLI. It doesn’t have to be the same as your homeowners and auto, you just need to maintain the minimum liability on the rest of your insurance. I’m sure of that…[/quote]

I would be afraid you’ll end up with insurance companies pointing the finger at each other in a situation like this.

I have all mine through the same company…I probably pay a tad more but it will be harder for them to deny a claim.

I also stay with well known companies. My dad went with some small insurance company for his rentals. One of the rentals had a major fire while occupied by a tenant and the insurance company refused to pay. He had to take them to court to collect from them. Lots of time, hassle, and sleepless nights to save a few bucks.