Costs/benefits using LLC versus personal name

[Keith A.]

I have properties in my personal name with conventional financing. A few of them have conventional mortgages so I am well under my limit. I am in the process of purchasing a 4plex cash and was planning to use an LLC (asset protection) but it doesn't seem to make financial sense to do it as it looks like all of the expenses like liability insurance and refinance loan terms become less favorable. I have a 5M personal umbrella currently. Does it make more sense to continue loading up on the conventional loans while I can making sure I have plenty of insurance coverage until jumping over to the commercial side of things using LLCs?