Can you get an umbrella policy for more coverage? 

I knew I wanted to buy and hold from the get go for a few reasons: Residual income that comes in whether I work or not, low transaction costs per asset, tax advantages during the hold and at exit, leverage and legacy wealth-building.The specific assets and methods of purchase under the b&h umbrella presented themselves uniquely dependant on seller needs and asset types available in my market. 

—-For liabilities generated with the properties themselves, typical liability policies plus an umbrella of a couple million is more than sufficient.....even though I know attorneys and others Love to recommend complicated structures, that they get paid to set up/maintain.

Guess what, if you run over a kid personally, your shares of that LLC might be at risk if your umbrella isn't high enough.

Should I also get an umbrella policy even though my home owners insurance has liability?  

At the same time, she seems think she can ask us to do anything she wants.Our property have very expensive umbrella insurance.Like to hear other landlords' thought and strategies to handle this tenants, what will you do for this situation?

Another option is to purchase a personal Umbrella policy. 

Just get an umbrella insurance policy.

In your situation, get an umbrella liability policy that protects you from your tenants and worry about the LLC once you've exhausted your conventional opportunities. 

Now I lump numerous properties in the same geographical area into 1 LLC with high liability limits as well as an umbrella policy.With refis, for commercial property, most lenders just simply require you to sign a personal guarantee.Best of luck!