TBT: Ask Marco - How to Best Insure Using Umbrella Insurance?

Passive Real Estate Investing

Real Estate Investing with Marco Santarelli, Investor and Entrepreneur.

Investing, How To, Business:investing, Education, Entrepreneurship, Business

4.7 • 967 Ratings

🗓️ 5 February 2026

⏱️ 13 minutes

🔗️ Recording | iTunes | RSS

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Summary

Click Here for the Show Notes In this episode of Ask Marco, we dive into a question every serious real estate investor eventually faces—but few truly understand: how umbrella insurance actually works inside a real asset protection structure. Listener Shaw lays out an impressive setup with multiple LLCs, holding companies, trusts, and layered insurance, then asks the big question: should umbrella coverage live at the LLC level, the holding company level, or both? Marco breaks it all down in plain English—personal vs. commercial umbrella policies, how they “stack” on top of primary coverage, why common ownership matters, and how to simplify even the most complex multi-state, multi-entity portfolios without leaving dangerous gaps. If you own multiple properties, use LLCs, or are scaling your portfolio and want to protect what you’re building the right way, this episode is packed with practical insights you don’t want to miss. 🎧 Listen now, and make sure your insurance strategy is working with your asset protection plan—not against it. -------------------------------- Throwback Thursday Episode (The episode originally took place in the year 2020) This episode is part of our Throwback Series and may include references to older content such as web classes, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated. -------------------------------- If you missed our last episode, be sure to listen to How Investors are Making New Construction Cash Flow Today Download your FREE copy of: The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. Our team of Investment Counselors has much more inventory available than what you see on our website. Contact us today for more deals.

Transcript

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0:00.0	Welcome to passive real estate investing, the show where busy people like you learn how to build
0:05.7	substantial passive income while creating wealth for the long term. And now, here's your host, Marco
0:11.7	Santorelli. Hello, my friends. Welcome back to passive real estate investing, where we dive into the
0:17.7	world of real estate investing, among other related topics, to help you
0:21.0	with your real estate investing journey. Today, we're doing something a little different.
0:26.0	We're going to take a trip down memory lane and showcase an important episode from the past
0:30.7	on what we call our Throwback Thursday episode. Now, whether you've been with us since the beginning,
0:36.4	which goes back to 2015, or you're
0:39.3	tuning in for the first time, this episode is a must listen. We are revisiting one of our more
0:45.6	popular episodes from the past. And believe me, what we discussed back then, whether it's
0:50.8	six months ago or six years ago, is just as relevant today. So sit back, relax,
0:56.9	and let's rewind the clock for this great episode. Enjoy. Today we have a great question here,
1:03.1	and it comes in from Shaw. And I know we don't talk about insurance and umbrella insurance all
1:08.3	that much on the show. We do touch upon it. I've had some really good
1:12.2	guests over the years talking about insurance and the intricacies and the ins and outs of it.
1:17.0	But how do you apply that when you have an asset protection structure in place, which everybody
1:23.2	should have and everybody needs? So this is, in a way, a very general question, but he has a very
1:28.9	specific scenario, and the way Shaw set up his entities from an asset protection perspective
1:34.7	was very well done. It's probably one of the best structures in a very common way to do it,
1:40.8	but his question revolves around applying umbrella insurance, which I think is a
1:46.3	good idea for everybody to have. So Shaw writes and he says, Hello, Marco, your podcast is one of
1:52.2	my absolute favorites for passive investing and has answered numerous questions. I have asked other
	...

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