I've had good experiences thus-far with a whole portfolio (auto insurance, primary home, umbrella liability, landlord policies for investment properties in multiple states, etc.) under Allstate - Brandon Reece, 9204 Falls of Neuse Rd Ste 100, Raleigh, NC 27615, (919) 329-2580

Eventually when you buy more properties you should get a PUP (Personal Umbrella Policy) for even more liability coverage.

Get an appropriately size umbrella policy for protection.

I do so because although an umbrella policy works just fine for liability reasons, there are other situations why an owner may want a second barrier of protection between them and the tenants.The reason for an LLC is in the rare case of negligence, the tenant will be limited in the amount of damage they can cause financially, it will be restricted to solely the assets in the LLC.

@Evan BellI pay about 3% of gross rents for a standard rental dwelling policy and a $1MM umbrella policy for a 2 unit side by side in Southern California through AAA. 

I am looking for an insurance broker that can offer me an umbrella policy.  

I go back and forth and wonder with the “umbrella insurance” would this likely cover me in the event of a law suit?

Most people buying a house or two, can just go the cheaper and equally, if not more, effective route of buying in their name and purchasing umbrella insurance.

These properties are all held jointly by their parents in their parent's names only, but each property has good liability insurance and umbrella policies.

You could work with a local attorney to use land or personal property trusts under the umbrella of the plan to create some anonymity.