Switch over to LLC or Personal Name - $4000

[Pierre Eade]

I have a duplex that I bought when I was first starting out that I purchased in my own name. Now I do everything in an LLC. I am going to refinance this property with cash out and have the option of putting it into an LLC name. The problem is that in PA I have to pay a 2% transfer fee which amounts to about $4000. I'm trying to figure out whether to keep it in my personal or switch it over. I know there are some liability issues with keeping it in my personal that I might be able to cover via an umbrella policy. Not sure what to do and am looking for some perspectives, thoughts, pros/cons or things I might not be considering. Thank you.