Combination of LLC and Umbrella Ins., what to do?

[Bienes Raices]

This is for a SFH and an LLC that I don't own yet. I've been calling some insurance companies but still don't completely understand this.

I've been told by the insurance companies that I've talked to that the liability part of dwelling fire will only go up to 300K and that I need to get an umbrella to go up to 1 million.

But I've been told on the forums that a personal umbrella liability plan won't work for rental properties (it will exclude "business activity")

Do you use a business umbrella for your LLC? Is it a lot more expensive than a personal umbrella?

I'm trying to get some rough idea of the costs of not using only insurance (no entity) vs. LLC + business umbrella. Thanks.