If your insurance coverage isn't enough, they could seize the LLC assets, but not your personal assets.Additional thoughts:1.

Can you even get enhanced coverage on commercial? 

Most personal umbrella policies do not have coverage for business/commercial operations.

If they have to change it, you want proof of the new coverage before the old one is cancelled.You should also consult your attorney to help draft the contract and Mortgage to protect your interests.  

Home warranty policy only covers something that was good and functioning when you started the policy and then break down during the coverage period.

Definitely get with a mobile home park insurance agent for their advice but one coverage that is often overlooked is business interruption coverage which covers you for loss of income from a catastrophic event (hurricane/tornado/etc).

I always suggest to my clients that they set their liability coverage to the limit that is required by the carrier for use with an umbrella policy. 

I would recommend a DSCR loan (Debt Service Coverage Ratio).

It is often recommended that you have them name you as an additional insured on their policy for the Liability coverage.  

If your insurance coverage isn't enough, they could seize the LLC assets, but not your personal assets.Additional thoughts:1.