I would certainly reach out to her for her expertise in the area!

I would prefer not to do that if possible, because I don't want to expose myself during this brief vulnerable period without protection, but I also don't want to break any laws or LLC shields if this process is not handled correctly.What are your thoughts?

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Matt,Speaking toward the insurance piece, your insurance premiums are going to depend on several different factors such fire protection class code, roof age, square footage, age of dwelling, etc.

But the mortgage holder gets notified and they will usually pay the taxes to protect their position. 

All you do is get some legal protection as it's not in your name but tax benefits are zero.

If you don't establish the LLC correctly, or if you don't know how to conduct business through it in the right manner, then you might not be protected.

Hopefully the terms of the lease were outlined clearly, providing you protection.

Liability insurance is cheap and it can go a long way towards protecting the financial standing of you and/or your business. 

It's contacts developed over time, expertise, time invested and at least some level of dedication to you.