A tenant slipped on the sidewalk in front of your rental — are you on the hook, or is the city? Honest answers for MN and AR landlords, plus the five practical moves that lower your liability before it ever happens.

Owning even one rental property changes your liability profile. Here's what a landlord umbrella actually does, why your personal umbrella probably doesn't cover your rentals, when you really need one, and how to think about the right limit for your portfolio.