If your insurance coverage isn't enough, they could seize the LLC assets, but not your personal assets.Additional thoughts:1.

Mel,A short term solution to the Umbrella issue would be to get just Liability coverage for the townhome that was turned down due to the roof.  

With the cause of the loss probably being a hurricane I would make sure your hurricane/wind deductible isn't insanely high though as sometimes it is a percent of whatever the home coverage is.

Natural disasters, higher construction costs, and a competitive insurance market are driving these increases.Review your current policy to ensure you’re properly covered without overpaying for unnecessary coverages.

A house hacker with a  W-2 income can often times float some rehab costs on a duplex through cashflow or supplement some with their income.

You want to see both Building coverage and Liability coverage. 

I don't want to take on too many, but just enough to bring in supplemental income to continue with my investment plans.  

Even if not required, I suggest getting rental loss coverage on your deals. 6 months is suggested.

Additionally, you must notify your insurance company to adjust your policy to cover short-term rentals, ensuring you have appropriate coverage for liability and property damage specific to Airbnb operations.

Also be ready for the insurance company to drop your coverage.