LLC & Liabilty insurance questions

[Mic Nguyen]

Hello All, I have some questions regarding my LLC, liability, and insurance. I live in Florida and have an LLC with 3 free and clear rental properties deeded to it and have 5 financed rental properties in me and my wifes personal name. I was told by my insurance agents here that now that I deeded the properties to my LLC that liabilty coverage will not be included in my dp3 polices and that I now have to purchase separate liabilty polices. My 2nd question is, now that I formed the LLC and did my tax return, this is now a business income instead of just my rental income. They both transfer to my 1040 via schedule E but now on the LLC side of things the lender will not add back in the depreciation value of the property on the business. My last question, now that I have 3 properties in the LLC am I really that much protected? If someone were to get seriously injured on one of those properties above the liabilty covergage that I have, wouldnt the other 2 properties in the LLC be at risk? I know these are probably some detailed questions to ask, but as I see myself growing in the business, the more it confuses me and feels that I am at risk to lose more. Please advise if you know. Thanks