8 properties, All Cash.. INSURE HOW?

[Mike Kalob]

I have 8 properties all paid for in cash, my current $1million UMBRELLA insurer (gecko) says I can only have 4 rentals max...

Do I....

A) Just get a second $1million Umbrella Insurance to cover the other 4 properties

or

B) Put the other 4 properties into INDIVIDUAL LLC's and up either up each limit to $1million, or keep at current limit, and just get a second $1mm Umbrella BUSINESS Insurance..

or 

C) other option?

I'm heavily leaning toward option A since LLC/Business Insurance rates seem higher.

Is there anything wrong with having 2 Umbrella Insurances?

Thank you.