re: Any advice on a Personal Liability Policy vs an Umbrella?

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Still a little confused thought. Will an umbrella by the carrier that covers rental property & autos cover excess liability related to incidents at my residence (different insurer)? i.e. does the umbrella sit over unrelated policies?

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Generally you can have the underlying policy with any carrier as long as the coverage limit meets the umbrella’s underlying limit requirements. Normally $300k per property, $250/500 auto, $300k for boats and RVs. Some umbrella carriers require you to have your primary auto and/or homeowner coverage with them, so double check with your umbrella carrier to make sure