If it didn't, you didn't have high enough policy limits on your auto.Disclosure: I am a former State Farm Agent and a current policyholder.

I've had the discussion where the advantage of having your own insurance is they lawyers will represent the policy holder as opposed to maybe a sub added to the policy. 

If the insurance is paying the rent, would they pay directly to the homeowner or they pay to the policyholder and policyholder pays to the owner? 

A suit could be brought by the tenant, but on the off chance that it would ever happen, it would more likely, that an injured tenants health insurance policy holder would be the one to attempt to recover medical costs by filing suit. 

I'm glad I did, because the work I've done, and continue to do really helped me realize what I am passionate about - helping small business owners realize their dream of business ownership; specifically around the hospitality industry, ie, restaurants, bars, taverns and B&B's and boutique hotels, and business owners who lease space in commercial strip mall developments.So...with that in mind, and my soul searching in the month of June; I decided to jump back into insurance, but work in the area I liked the most, which was assisting my policyholders.

But overall, as a Warren Buffett backed entity, I would expect them to be ethical and fair in their dealings with policy holders.  

I'm interested in learning how to best mitigate risk and purchase insurance to protect the following investment strategy:- Conventional loan in personal name- Upon closing, quick deeding title to from personal to a LLC as a partnership (you + one other person)From my understanding, you need to have your insurance in your personal name and an have the LLC listed as a co-policy holder.

There is a concept in insurance that says the policyholder must hold an "insurable interest." 

There are several other riders that can be included to benefit health related issue while the policy holder is still alive.When designed properly with low fees, the policy break even point is about 3 - 4 years.

The LLC can't file a claim because it is not the policy holder even though it is the one that has damages..Maybe beating a dead horse here..