I ended up just getting an umbrella insurance policy to manage some of the liablily risk but when it come to future lending and programs I think it would be benifitial to move them into an LLC but what are the chances I lose my loan structure for transferíng from a personal conventional ownership to an LLC.

Make sure you have enough insurance personally (umbrella plus good underlying liability in relationship to your net worth) and corporately (same thing - umbrella plus underlying coverage). 

Just get good insurance and maybe an umbrella policy. 

I don’t know if you could get an umbrella policy that would cover self insured homes.

Hello,I was looking for some advice.Background: I have 2 rentals, both are in my name right now, they are insured and I have an umbrella policy. 1 property is under a mortgage and the other I own free and clear.

if unit A rents for $1.2k but piti is $3k, you are covering $1.8k of piti, $400/unit maintenance/cap ex, 5% vacancy, 8-10% PM, various misc costs (umbrella policy, bookkeeping, office supplies, etc).  

Does anyone have any recommendations of Umbrella Insurances that I could use, to protect my first property, before getting my second loan?

Understanding the different policies and your risk exposure is properly the most important thing to understand.Understand your deductibles and what is covered with your specific policy (i.e, is sewer back up included, flooding)You can always get an umbrella policy if you want some additional insurance.

Especially if you don't have an umbrella in place.

The LLC only offers certain protections to you; a lot of investors instead choose to invest in an umbrella insurance policy instead of buying in the LLC.