Also, the other protection that is good for you would be an umbrella policy too. 

Umbrellas are pretty cheap, so I would not try to avoid them.2) This is also a decent option, but I've seen people do 1 house per LLC which seems ridiculous.3) This 1% thing is unlikely to have the benefit you hoped. 

The parent LLC will have an umbrella company agreement or operating agreement that will state the company is authorized to create specific series. 

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

The real issue I found relates to my insurance/umbrella policy, as there are certain breed restrictions they won't cover. 

Brokerages are just umbrellas to keep you safe (insurance) from the rain.

Umbrella Insurance: Yes, having umbrella insurance is a good idea.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

I ultimately want an umbrella to keep my assets under and I’d rather set this up now from the start than have to do it later.

If you don't have one already, would think about getting an Umbrella policy.