I had a very similar experience, luckily, I had umbrella insurance beforehand, but it was still a tough 2-year fight. Another thing I wanted to pinpoint to Elizabeth, when you buy property and setting up LLC's, let's say you have 3 properties namely LLC1, LLC2 and LLC3, you never want to mix the money, then it's called "co-mingling". When you "co-mingle", when someone sues, they can break the LLCs, what's called "pierce the veil".
I am insured with AAA. AAA requires you to buy auto and house insurances with them in order to buy the umbrella insurance. Some employers offer discount umbrella insurance. You can check with your company. @@user-qf2nj8jx5j