Insurance vs. LLC for starting a real estate business

[Gabriel Cardus]

I have my first offer on the table for a second home (out of state purchasing from rootstock). I'm starting all of my paper work but just realized everyone always recommends an LLC. I am looking to use the income stream from the investment property to payoff my primary mortgage as soon as possible to build more equity to get another house sometime this year.

Just curious, wouldn't my insurance be enough to cover the liability portion that the LLC would protect you from? What are your thoughts?