Baltimore: Umbrella or LLC?

[Tarik N.]

I have a four duplexes in Baltimore, and I am not sure which strategy is best for liability protection: 1) create an LLC, but transfer taxes are pretty prohibities, 2) have an umbrella policy ($1M? $2M?), or 3) a combination of both.

I would appreciate any insight, advice or thoughts.

Thank you,

Tarik Nabi