Also, my wife has large graduate school loans, and I attempted to get umbrella insurance on our former primary residence in MA when we moved out earlier this year, (currently living abroad) and was denied based on her history specifically with those loans before we got married- there have not been any credit issues for either of us since we have been married- me never any.

I've never met or known an "outdoor smoker" that doesn't bend or break the "never inside rule" for this that or the the other thing.

Does anyone know if it would be possible to put the primary residence into an LLC after we close to protect the other assets, or will an umbrella policy be enough?

There are two personal umbrella markets (AAIC and USLI) that will name a LLC or trust as an additional named insured.

I’m insured as a regular rental property with increased liability and an additional umbrella policy.

OUTDOOR works - legit methods like billboards and bus signage, etc. as well as (usually illegal) methods such as bandit signs.DIRECT MAIL works when the right message is sent to the right audience in a cost-effective manner - such as postcards to absentee owners.PAY-PER-CLICK work - it's the new Yellow Pages.  

Real estate is under the finance umbrella.

.)- Umbrella Insurance Policy (Good extra liability coverage for a variety of situations.)- Refer them to a qualified insurance agentWhile the list above presents a wide array of potential insurance types for real estate investors, depending on your clients’ circumstances, additional policies may be needed.

Is there a lot of outdoor recreation in the immediate area that attracts a lot of visitors?

Put down polyurethane to deter water then put down outdoor rugs throughout the hallway.