Insurance Options for Rentals

[Ray Evans]

This is my first real post I think, so let me know if I did something wrong :-)

We're a couple years into this journey, and I've been somewhat disappointed in the rates we're getting on insurance for properties held in our LLC. In trying to shop around, I recently got a quote that was about half of what I am paying now, and I noticed liability coverage was reduced and there was no fair rental value coverage. That got me wondering what other people carry or don't with regard to those options.

Do any of you guys do fair rental value coverage?

How much liability do you carry for your properties?