umbrella insurance/ jaclksonville fl

Hey guys, would you get umbrella insurance for your home, if you are just getting started on house hacking, and would you treat each individual room as apartments, when it comes to providing tennants with the same paper work you sign when you lease an apartment? I rented a room I found on craig list, but the guy did not offer me any paper work at all. No lease or anything else. We just agree to things verbally.