@Jeff T. no I could not get an umbrella policy. 

We also set up an umbrella insurance policy to protect ourselves. 

True, but I guess I would put them under the same umbrella - they perform the same act: they insure the workings of certain aspects as it pertains to their claims policy; they come about it from a different approach but the business model is quite similar, would you not agree?

I have been shopping for an umbrella policy, and USLI has come up with more than one broker. 

Seems to me there are many "landlords" type threads on the Renters forum and there are some "renters" threads in this forum.Is this primarily due to the Renters forum being tucked under the General Real Estate umbrella and not side by side with this one under the Landlords and Tenants Forum so many didn't see one or the other?

I do a good portion of driving and maintenance on these homes.I understand that I need some sort of the umbrella insurance policy.

Originally posted by @Joe Cusick:We are going to obtain a personal liability insurance policy for $1MM, which I am told is a good move to further protect our personal assets.All your properties need to be added under the umbrella policy in order for coverage to extend to it.  

@Juan Soto another option is looking into getting an umbrella commercial mortgage over the 3 4-plexes that you have, which would free you up on the residential financing side to qualify for more properties.

Should they have landlord insurance individually or go for an umbrella policy?

@Anson Brown assuming you understand you cannot purchase in an LLC using conventional financing...so, maybe you're using another commercial product or have cash to purchase...anyway, an LLC really does not offer that much protection for RE investing...you'd be better off with a rider or umbrella policy.