You will get the same financial protection from maintaining adequate insurance including a umbrella policy as you get from a LLC.

If you're looking for asset protection look into Umbrella Insurance.

Anyone with experience with an umbrella LLC, and each home under in a unique LLC?  

Up till recently, our agent of many years used Travelers for our home, auto, NOO rental, and umbrella.

LLCs make things difficult, much the same protection can be had by umbrella insurance.

In my spare time which seems like there is next to none these days, I like and enjoy the outdoors.

-Outdoor wood rott-Other AC outdoor unit is from 2007Thats what I remember - still waiting for the report.On the bright side: Foundation & Brick (some small cracks in brick but nothing to be concerned according to inspector) and Roof seem to have no issuesEspecially for the electric issues I have no clue how much to expect 1K or 10K?

We absolutely love living here and enjoy all the outdoor activities available to us. 

This is two houses on one property and the house I am looking for help with is the one I will live in, not the rental.The garage was converted years ago into the garage but the cement was just covered with glued on indoor/outdoor carpet.

It is like a mini central AC with separate outdoor small compressor and indoor wall mount evaporators, but the evap. mounts to the wall and recirculates/cools just that area in each "zone".