Do you feel that these risks could be mitigated with certain safeguards in place, like double-checking title insurances and ensure the third-party firm is repitable?

@Tony MendozaTo minimize liability and safeguard assets, real estate investors frequently move assets to LLCs.

Yes and was quite abrupt about it, lacking any sense of client service or sensitivity to why I might object and immediately severed our working relationship, despite that I offered several other ways to meet her needs while minimizing how much I might compromise my always safeguarded ID.

Has anyone had any luck in lowering their insurance premiums by providing the leases, that include a long list of safeguards, to their insurance company?

Establish some "safeguards" to keep them honest and consistently check their work.

Im looking at 7% however I think a better safe guard for me to have enough skin in the game is to move the sales price higher just in case he decides to pay off the loan earlier.

Although there are safeguards that can, and should be set up, this merely modifies the risks, it doesn’t eliminate them.  

I was aware that insurance would mostly not cover but how does a landlord safe guard here ?.

To deal with any problems and safeguard your investment, create backup plans and risk-reduction techniques.

Moving forward, I have prioritized diligent property maintenance to safeguard against similar challenges.