Apparently the OP has the money because he's already spending it on insurance for his house and his rentals. What Rich is suggesting is for the OP to have an umbrella liability policy, then place the rest of what he would have been spending on insurance into an account to be used to cover loss that would currently be covered by insurance. He would be spending the same amount as he is now.
It's actually a more common practice than many realize.
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Today's Featured Article - Usin Your Implements: Bucket Loader - by Curtis Von Fange. Introduction: Dad was raised during the depression years of the thirties. As a kid he worked part time on a farm in Kansas doing many of the manual chores. Some of the more successful farmers of that day had a new time saving device called a tractor. It increased the farm productivity and, in general, made life easier because more work could be done with this 'mechanical beast'. My dad dreamed that some day he would have his own tractor with every implement he could get. When he rea
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