When my wife and I started renting my old house a few years ago we decided we should get umbrella insurance; however, when we went to buy it we found out we couldn't just get umbrella insurance for the rental as the rental could only be a rider on the policy. On our annual bill, it does not distinguish how much is paid specifically for the rental so the past couple years I've contacted my insurance agent to ask how much of the bill was specific to the rental to write-off as insurance expenses. However, this year I was thinking; if the only reason I purchased the umbrella policy was because of the rental, can I just write off the entire expense or do I need to continue calling my insurance agent every year to find out how much is attributed to the rental?
