It was more of an umbrella effect.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

I think if you want to protect your equity and keep your taxes simple, just get an umbrella policy.

That's a lot of properties under one umbrella of a single LLC.

I think I'm going to sit tight and buy a 5M umbrella policy (PUP) for me & my husband for now.

An Umbrella policy may offer additional legal protections but nothing will protect you from criminal charges, which is a fairly rare occurrence in REI, unless you are a very shady character. 

If you own your properties within a LLC is it prudent to also have umbrella insurance for each individual property?

All properties are owned in my name and husbands name but have an umbrella policy to reduce risk-no LLC.........thoughts?

If he talks to an attorney, they will convince him to sue.Ironic, isn't it, how on another post an hour earlier you typed "Save your money and get an umbrella policy." 

That said, make sure you have Umbrella insurance to cover potentially liability issues due to "accidents."