Setup a business and use a business account and tax id to register for your Google Adsense account. This is very important because once banned, its based on your SSN or EIN. Anyone can have multiple accounts on Google Adsense as long as they are valid EINs they will be treated as separate entities.
You will not be told in most cases why you were banned from Adsense, expect that it will happen and then you will not be suprised when it does.