I tried getting an umbrella policy to protect myself in case something happens but was denied since not everyone in my household is under my auto insurance. 

Where these numbers are found, there is a very high rate of rent actually being paid.We have over a dozen Fortune 500 companies just in Metro Detroit with huge Healthcare, Auto, and mortgage industry National footprints.

Whether it was for negligence on their part, or a freak accident?

With robo calling auto text those are really the only things I see that are different then what we did with mailers and Telemarketing with live callers.

My broker shopped around and found 3 companies that allowed us to add Co-Living clauses (SafeCo, Auto Owners, and Travelers).

We did remodel on this one with new lighting paint, auto gate etc.  

you can auto categorize as well like quickbooks. 

I wouldn't remove auto-pay on your utilities from your credit/debit card if you have them, don't want to miss your electric bill by accident but any daily/casual/somewhat necessary spending is cash.

Whether the situation was an accident or not, owning the outcome is crucial.

And as mentioned, it does more then just REI, has funded tuitions, made auto loans, down payment loans and assistance for O.O. homes etc..