So I am military, originally out of CA so it's my "home state"/residency but very easy for me to change as I am stationed out of CA and have been for a long time.I own several properties in CA and one in WA.

You certainly can have more robust systems, and probably should as you scale, but if you're looking for easy mode don't stress about it.

It's easy to pay the premium, less easy to get claims paid in many cases.

As easy as this sounds, it's not simple and usually like pulling teeth.

It's easy to obtain, costs very little, and doesn't require extra, on-going effort to maintain.

The fact that they don't have critical thinking skills and limited income/saving, makes them desperate and easy target.

Just speak to your broker about it and they should be able to give you some easy solutions.

But it hasn't been easy to figure it out so far. 

Five years in, we’re at 350+ units, and while it’s not an easy journey, it’s one of the most fulfilling ones.

I often have heard excuses of "oh it's easy for them/you because you have...." when truth is it's these disciplines that got us to where we are, not the other way around.