Question on Morgages and Insurance

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Hi,

I have a question. I have posted this on various forums and have yet
to get a real answer to this. I would like to buy some basic 3/2 houses and rent them out and eventually form a LLC and sell these to the LLC. I very much would like to do this as it protects me from a lot of legal woes when the houses are not under me personally but my business. But I've heard it from a couple of different people that if you do a transfer like that there is a chance the mortgage company could make the amount due immediately. Is there any way to circumvent this?
Also how do people who have rental props handle insurance? Do you buy the house personally and insure it as a second or third home? And if you do this isn't there a chance the insurance company won't give you credit once they find out you are using it for rental purposes?

Any help would be appreciated!

-Ian