I think liability insurance plus an umbrella policy is sufficient.

However, we can build one out of combining the following: Getting a good attorney that practices this area of law, own property in land trusts, obtain property and casualty (liability) insurance, pay for umbrella liability insurance, personal property trusts, proper maintenance, documenting all property maintenance requests and completions, screen all future residents over the age of 18, screen all contractors, collect W-4s from all hires and file 1099s, change the locks between residents and the list goes on.

Get an umbrella policy

You have nothing in here for liability/umbrella coverage, airbnb and VRBO expenses.

I have them all LLC'd individually with a very high umbrella.

Trying to keep everything with the one company as then our umbrella policy is in force.  

I am in the buy and hold niche but have run across a property that I don't want to bring under that umbrella.

Get good liability insurance and also get an umbrella policy.

Many investors would be fine with a large liability policy, and you can even throw an umbrella on top of that.  

We plan to insure the property under the LLC's name with a dwelling policy for replacement value, and $500,000 liability coverage, along with an umbrella policy in the LLC's name.