I was reading about some of the legislation passed in recent years in the area and it appears that AirCover has coverage limits that are high enough to be enough on its' own, however, my insurance broker is telling me that I do need additional coverage and that my current carrier won't cover it, so the only option is to rewrite my home/auto/umbrella with a new carrier and it may double and balloon to like $7K/yr!

By and large, they're not designed under an umbrella privacy scheme.

Get an LLC, S-LLC (Some States), Land Trust, Umbrella Policy, etc.

I do have a 1M umbrella along with the standard 500k liability on each property.

The homes almost always need to be 1976 or newer and I believe it is like July of 1976 when HUD rules came into effect.Here is a list of mobile home lenders:1. 21st Mortgage (Owned by Berkshire Hathaway and in the same umbrella as Clayton Homes)2.

Coming up on the new year and I am going to shop my insurance policies as I have 7 properties plus auto plus umbrella.

For piece of mind just piggyback a good umbrella policy if you don't want to go through the incorporation process.

What we did for our first rental is we put it in our name (got better mortgage rate), got an umbrella insurance policy (protection) and opened a seperate bank account in our name to easily track income and expenses.A LLC is a pass through entity, so it flows back through your personal taxes anyways. 

And again, you may invalidate your umbrella policy (your most important insurance if you have a net worth higher than standard insurance policy limits.) or make getting regular homeowners insurance harder.

I just use a large umbrella policy to save time, money and hassles.