Utilities and Insurance for an LLC

[Kim Davis]

My husband and I just recently formed an LLC for a rental property we now own. The deed to the property is in the name of our LLC- with my husband and I being the 2 owners/members. My question revolves around utilities and insurance- do these need to be in the name of the LLC or can they be in one of our names? I originally thought I would put them in the name of the LLC but it is a major hassle and we seem to be paying more (especially for insurance) as they want to bill us more for "commercial"- even though the rental property is for a vacation rental/ residence. Is there a risk to putting the utilities in my name as long as I have our LLC name listed somewhere on the paperwork?

Note- we live out of state (not sure that matters) and we never plan to actually live in this property. It will always be a vacation rental.

Any help or advice would be appreciated. Thanks! Kim