Rent: $6,175 (from all 5 houses combined)Expenses: $2,906.31 (Property taxes, property insurance, umbrella insurance, vacancy (8.33%), and maintenance (16.66%))Profit: $3,268.69 So... here are what the numbers are after the refinance. 

Hello, If its protection you are worried about I would just call my insurance company and tell them your situation and see if you can enhance or boost your policy or possibly get an umbrella coverage.

I understand that this question is more philosophical in nature than investment related; hence why I've posted under the "off topic" umbrella.

There are also a lot of people who question which is best a LLC or Umbrella, I see an umbrella alone as plenty of coverage but don't' necessarily see it as either or. 

Should I also get a separate umbrella policy? 

I would also look into an Umbrella policy to provide additional Liability coverage. 

Because of this, every insurance company I've spoken to said that they will not offer me any umbrella policy without a primary US residence.

If you want another layer of protection then get an umbrella policy.If you have a mortgage on the property that is already another layer of protection. 

It helps people sleep better which is valuable but really how many claims are for over your insurance amount and a nice umbrella is way less hassle and should be paired with an llc anyway.  

An umbrella for liability is a necessity-LLC or not.