If you only have 1 property so far and only a little equity in it you probably could get by with no LLC and just umbrella insurance.

There are multiple options you can go with, insurance , umbrella, trust , LLC etc or a combinationIn general banks don’t like lending conventional loans to LLCs you will get best rate under your name..

Regarding landlord insurance or umbrella, the way to look at it is you want to get a landlord insurance, and if you want to be safer, then get the umbrella insurance also.

I’m not applying for an LLC yet but instead am getting an umbrella policy to cover myself.1.

Get a quote and maybe look into an umbrella policy for liability.

I happen to have all my insurance under one company, but that's because they offered the based cumulative rate.You didn't ask this, but I would also have an umbrella policy if these properties are titled in your personal name.

Lastly, for insurance is umbrella coverage what beginners usually go for especially if there's no LLC?

Adequate insurance and an umbrella is more than enough for someone just starting out. 

Personally, I rely upon an umbrella insurance policy.

I have also read that a lot of people take the LLC route because it is "the thing to do" but not necessarily the best option vs. an additional umbrella policy.