Because the properties are under one llc we were are able to place the Insurance under an umbrella policy which save 25% on the cost of insurance.

Looks like Stessa has finally gone the way of the world and put all their essential functions under the "Pro" umbrella for $20 / month ($16 billed annually).I'll probably make the investment. 

Should I just increase my umbrella coverage limits or try to insulate my self also with an LLC?

And then an umbrella insurance policy will cover liability issues for the property (which is what everyone thinks they need an LLC for). 

It’s more efficient for most ppl to get umbrella insurance and focus on operating the business with integrity.

Ok, to summit it up for for everyone....The sky is either starting to fall or going to eventually fall...BUT, if you have a big enough and strong umbrella, you should be fine.

Another option is an umbrella policy.

For CA residents, maybe a basic umbrella policy would suffice?

Re umbrella, I'm doing that regardless. 

I am 57 and need to build my retirement umbrella rather quickly.I could really use some advice on how to get in and build my investment future over a short period of time.