Since I have a house, barn and 2 old tractors on my property where the pond is I carry a farm and ranch owners policy on the place with the same liability coverage that I have on our primary home. From the days we had a condo that we rented I've continued the umbrella liability coverage. I may be over insured but I have more peace of mind about it. There are too many stories of people coming on your property and the law suits that follow.