@Jeff Bisgier insurance and an umbrella policy will not help you if you are sued. read the fine print.

My insurance agent suggested liability umbrella over my vacation rental property, "life," and my single family long term rentals with American Alternative Insurance Corporation.  

Also get as much insurance as you can for coverage and an umbrella policy.

I am looking for a personal umbrella policy which should be under US LI(Do you recommend anybody else).

I am looking for a Personal Umbrella Policy.

I read a lot of the forums and questions and answers. t's interesting how many people think that simply having insurance, and an umbrella policy with an LLC will really do anything to protect them.

I am looking for a personal umbrella policy which should cover more than 2 states.

Here's reasons why-https://www.biggerpockets.com/renewsblog/2013/08/1...In short though, I don't see a benefit to an LLC for one property that would cover anything more than an umbrella insurance policy would, and umbrellas don't bring all the drama that LLCs do.

Honestly, if itis a fourplex or smaller you could hold it in your name and have a large umbrella insurance policy.

I think your sample size is way too small to make the umbrella conclusion.