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. 

I'm looking for personal umbrella coverage.

The purpose of the LLC is for liability in case or lawsuit, with 1-5 property depending the amount of equity you have, I would simply buy an umbrella policy.

Making the strategy moot get umbrella insurance, run a tight ship.

general insurance and you can get say an 1 million umbrella for very cheap.. although frankly landlording has limited risk as long as your not slumlording.

One other note, regarding the title of the post....we do have an umbrella policy in place as a layer of protection for the flips and other BRRR we did.

The first option is an umbrella account with individual accounts for each tenant.