How do I protect myself from being sued in the future?

[Eric Bradeis]

So I'm buying my first house using an FHA loan which doesn't allow me to buy it using an LLC, so I have to buy it in my name. I'm getting insurance for my car, home owners n flood and the agent said that I should have a higher pay out per person for my car insurance if I get into a car accident because she said that I can be sued for my house. How do I protect my house, and myself if I'm ever sued as a result of being in a car accident without paying alot for insurance? Does anyone have any recommendations? What do u do to protect your house and assets? Thx!