Not sure if that address falls under that umbrella.

You can probably protect yourself just as well with an umbrella insurance company whereas an LLC requires the initial filing, annual fees, and tax preparation.

I understand that umbrella insurance is a risk mitigation option for those owning property in their own name, but I’m interested in hearing the perspective of anyone who has gone the LLC route.

An umbrella may also be worth considering to get addtional Liability coverage. 

Since hte LLC issue comes up a lot, there are many other discussion threads where the general view is you need to have everything under the umbrella of the LLC's name. 

If it is for asset protection, I would recommend just getting great insurance and an umbrella policy. 

With the insurance, I would also suggest looking into having an umbrella policy in place.

Or should that all just happen under one umbrella?

The rental is paid in full, no mortgage.3- All LLCs will be owned by an Irrevocable Trust.4- The same setup for each rental.Question: 1- I would like to add an umbrella policy to increase liability coverage, maybe 2M, but my insurance agent said that I will need 1 umbrella policy per LLC, is this accurate?

from what I have seen that is the best umbrella to register under.