Is the policy written on the LLC or a personal umbrella policy?  

Is it worth it if I have a personal umbrella policy?

AND, your $1M liability should be reduced to $300k plus you need a $1M Liability Policy or Umbrella.  

I set up two SMLLC's for liability reasons but since then, decided to buy umbrella insurance.

For additional protection, I've thought about an LLC or an umbrella policy to get the coverage in the $1 million+ range.

I am being told I'm not able to get an umbrella policy unless I have auto insurance though that company.

Just move forward, without the LLC, and carry the umbrella policy?

I've had allstate for 10 years and have an umbrella, primary, car and 4 rental properties with them.

In addition there may be other taxes owed by an LLC like franchise tax, foreign entity tax, (foreign means out of state), capital stock tax, etc.Some insurers charge LLCs more for insurance than real people, and some banks charge higher fees and interest for LLCs versus people.There are other forms of asset protection including don't do stupid & risky things, umbrella insurance and asset stripping.

I am currently speaking with her as she can do an umbrella for 10 rental properties.