Umbrella Policy vs LLC

[NaTarrio Jones]

Hello BP.  I have 3 units (Texas) in my personal name and I have a four unit (Louisiana) under contract also in my personal name.  I do have an LLC but my intent is to max out my conventional loans before I begin to purchase with LLC. I came across an older post in which you mentioned you had an umbrella policy to cover your properties therefore not needed to purchase in LLC for assest protection.  Is this an effective stategy.  What would you recommend in my situation?  Do you purchase 1 umbrella policy that covers all your properties? If so do they all have to be in the same state? If you can point me in the right direction it will be much appreciated it. Thanks