LLC's in Different states or under 1 LLC?

[Johanna R.]

HI Everybody!

Im a relative newbie and Ive finally come to the point where I must LLC. I currently have 2 houses in 2 different states under 1 Umbrella policy but the insurer will only let me do this till mid year. Now Ive just bought my 3rd and 4th in 2 diff cities. So 4 houses in 4 different cities- FL, GA, IND and STL.

Id love to hear any suggestions or advantadges or disadvantages of having them in separate LLC's in each state or under one?

Also any recommendations to any LLC policy companies.

Thanks in advace for any help!
Johanna