How to structure LLCs

[Carol D.]

Today Big Picture Retirement Podcast had the topic of:

Protecting Rental Property

https://www.bigpictureretirement.com/protecting-rental-property/

My question that arrises from this is.... "Is this overkill?" (They were suggesting series LLC and separate tax return for each LLC which would also mean a separate bank account for each LLC).

Has there ever been a RE liability case where the plaintiff exceed $1,000,000 from insurance and then pierced the LLC and sued the landlord personally?

I have my property insured for $1,000,000 liability... I have a property manager... and it is in a pass-through LLC. I realize I could do more but should I do more?

Thanks for any comments... advice...