Umbrella Insurance VS LLC tax question

[Jef A.]

I have my first rental property and have been considering getting umbrella insurance on the property and not setting up an LLC for it. How does this work from a tax perspective? Do the tenants write the checks out to me personally? At the end of the year when i file taxes do i claim it as income in addition to my salary from my full time job or is there a special process i need to follow to claim that rental income? Will i be taxed at a higher rate considering i dont have an LLC? Can i get the same deductions on repairs on the house or office supplies if i dont have an LLC?

I live in GA and the property is in GA.

Thanks in advance