Here is the answer from an expert here at USAA:
Umbrella coverage extends to all homes owned by a member as well as all members who reside in the immediate household. So if a member has non-commercial rental properties, then he/she would need to contact us so we can add them to the umbrella policy and the policy accordingly. If these rental properties are insured locally (not w/USAA), we still have to list them and ask additional Underwriting questions to ensure the homes meet our guidelines to be covered under the Umbrella (such as – if insured locally, do they have the required minimal underlying limits? Is the home rented long term or short term?)
I hope that helps ansnwer your question here is a link to additional FAQs about the policy!:
Thanks for posting!