We use an umbrella policy for our primary liability protection, but also have an LLC that gives the appearance of adding some protection.  

If you need more get an umbrella policy.

Another quick fix idea - you could purchase some cheap patio umbrellas and have them strategically open and aimed to the side to cover the windows during just those times that this happens?

I use four reserve accounts:Tax Reserve - to pay real estate taxesInsurance Reserve - to pay for Landlord's Insurance and Umbrella InsuranceReplacement Reserve - for capital expenditures (I sometimes use it for maintenance and repair expenses also)Other Savings Reserve - a contingency reserve

So there are generally 2 arguments. 1) Buy as many as you can in your personal name, get an Umbrella insurance policy to cover you for liability if something happened, then deal with LLC later once you have maxed personal mortgages. 2) Always buy in an LLC to protect yourself, and learn to deal with the extra complications of commercial financing. 

You can add an umbrella policy if you like.Banks don't typically allow you to buy with a mortgage in an LLC, but you could take the risk of triggering the due on sale clause and move it after closing. 

We also buy quite a bit of liability coverage and umbrella coverage.That having been said we do always question how replacement cost is computed as underwriting is often doing that from 1,000 miles away on a data base knowing nothing about the property and they have always been willing to adjust a bit when we have felt it appropriate. 

Forget about the LLC and asset protection classes, be good, have insurance (an umbrella when you get rich) and abide health and safety codes you will be fine.

It lists bodily injury and property damage and cover attorney/legal fee for covered claims. i also have umbrella insurance (Gieco) and it’s lost covering additional liability for landlord.

Most will charge a reasonable annual fee, but think of it as insurance.Lastly, consider just getting more insurance, typically an umbrella policy to cover your entire portfolio, instead of OR in addition to an LLC.Of course, discuss all this with an attorney!