Insurance payout question

[Ben Rasche]

My insurance agent said in the 15 years he's been selling insurance he's never had a claim come close to 1 million. In fact he said the biggest claim he's paid out was a bit over 100k. He was telling me this as I was discussing the idea of forming an llc and moving my 6 rental units into it vs upping my insurance. What are your ideas on this and the question of whether or not to roll everything into an llc?