1st rental LLC OR UMBRELLA? BOTH? NONE?

[Account Closed]

hey I am currently in contract for my first rental which I am buying for 45k, worth about 60-65k now and will have a loan of about 34k on it. I will buy and hold the property and it has 2 units, my question is I do not have my own house (live at home with parents) am 22 years old, have a paid off car in my name though worth about 11k , and a savings account. What should I get to protect me or should I not bother with an LLC or the umbrella policy at 1million in liabilty becuase I do not have many assets yet? I think I should protect myself somehow but I am not sure what the best way is especially since I don't have my own house yet but do have good amount of savings for my age. thanks