Earnest money goes firm upon notification of the inspection to be notified on an addendum.I include all the standard jargon in our state's standard real estate contract, but put some of the things that I mentioned in addendum's to make sure that my interest are protected and I have a way out.  

and recourse if I don't pay (I explain how a foreclosure works and how a low LTV protects them).

I heard you should do that to protect your own assets. 

If you are using the TAR Lease agreement for your rentals and you are not an active REALTOR member of TAR, I suggest you take a look at #33 G before you get a big surprise when you need protection the most:

For example, maintenance is a fine line for each owner and you really need to set up some parameters to protect your tenants as well as yourself. 

Would it be helpful for me to personally get personal umbrella insurance to protect me from any lawsuits, or is this not necessary due to the LLC structure and insurance currently in place?  

I can see it in maybe 2-plex, but 3 and up gets very difficult with protected tenants and all.

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You need to protect the rights of all of your apartment complex customers.