Llc and Excess of liability insurance

[Annie Laporte]

Hi , 

I'm new here, i'm french  and i need some advices regarding liability insurances : I'm just about to buy a property  near Birmingham Al (closing next week ) to rent and i would like to protect myself as much as possible regarding liability . 

at the very beginning I just wanted to buy the property on my name and to take a good umbrella insurance , it's easier and I'm not so keen on administrative stuffes espeacially if not needed ... but I discover that no companies will sell me an umbrella because i'm a non resident alien (and because I don't have a car insurance in the US) . They all suggested to rise the amount of liability to 1 million and told me it was the same than an umbrella but i'm not so confident . What do you think about that ? Is it truly the same regarding every complaint a tenant can do against me ? 

Because I have other properties in France, I thought also of creating an LLc but I heard that if you're a single member Llc in alabama , liability can be pierced . I also heard that it won't happen if your LLC is in Wyoming , because laws protect single member Llc there , is it true ? Then what would you recommend ? Creating one LLc in Wyoming ( which would own the property) and one in Alabama ( which would rent the property ) , the Alabama one would be a member of the Wyoming one ? Or just register the Wyoming LLc as a foreign LLc in Alabama ?

to end, if LLc is the solution which liability insurance would you recommend for my LLC ? Which kind ( excess of liability ? Business umbrella if possible ? Other ?) and which amount of liability ? ( The value of the property will be 250000 dollars , no mortgage )

 Thank you very much for your help !