In Detroit for examples, and many other lower scoring neighborhoods, most carriers will only offer Basic Form coverage, thus excluding Water Damage & Theft, among others. 

Here is item 3 mentioned above1.Delivery of Property Information Items: Within 7 days after the effective date, Seller will deliver to the Buyer:a)copies of all current tenant applications and leases pertaining to the Property certified to be true and correct, including any modifications, supplements, or amendments to the leases (applications, leases, modifications, supplements and/or amendments to be made available to Buyer during regular business hours at the Property);b)current rent roll (showing lease rent, delinquencies, lease expiration and security deposits paid), certified by Seller to be true and correct;c)most recent 3 months bank deposits;d)a copy of Seller's income and expense statement for the Property for the last 36 months immediately preceding the effective date;e)copies of the Evidence of Insurance for all policies since the last renewal, including invoices, current policy, and copies of the last three years loss run from the insurance carriers for fire, hazard, liability and any other insurance policy that relates to the property;f)copies of all previous surveys, environmental assessments, geotechnical reports, studies, architectural, engineering feasibility studies, “as builts”, plats, or analyses made on or relating to the Property, including maps, plans and drawings;g)real and personal property tax statements and any appraisal notices for the Property for the previous 2 calendar years;h)copies of current capacity letters, and current utility bills from the property's water, sewer, gas electric, trash, phone and cable service providers for the past two years, or permission to access these accounts;i)copy of existing Property Management Agreement; a)payroll detail – 2012W-2s, YTD monthly, and most recent Y-T-D paystubs;b)a current inventory of all personal property to be conveyed under this contract and copies of any leases for such personal property;c)copies of all notes and deeds of trust against the Property that Buyer will assume or that Seller will not pay in full on or before closing;d)copies of all current service, and maintenance, agreements relating to the ownership and operation of the Property; including but not limited to: Laundry Lease, Cable/Satellite, Electric, Phones, Leasing, Commission, Advertising or other;e)copies of all current warranties and guaranties relating to all or part of the Property;f)current and past capital expenditures for the past three years;g)copies of all work orders for repairs incurred by Seller for the Property in the 24 months immediately preceding the Adjusted Effective Date; (work orders to be made available to Buyer during regular business hours at the Property)

Stay out of it, tell him he has to file a claim with his auto carrier and don't give your information to anyone unless his insurance company or a lawyer asks for it. 

If your tenant doesn't have insurance, none of their contents nor their living arrangements after the storm are your carrier's responsibility. 

The insurance company may state they can not respond as they do not have a policy in just your name.I have had this happen before and after some back and forth the insurance carrier resonded to the claim. 

I have access to several different carriers including Nationwide, Foremost, American Modern, USLI and several others. if you send me a private message I will just need to collect some information from you to run the quote. 

I can't seem to find an insurance carrier to give me an umbrella policy that covers properties in different LLCs.

If you find your current carrier can not handle, there are other options out there.The insurance industry is slowly changing their insurance forms to reflect the Airbnb effect, but it will still be a few years.

@Greg Carrier Thanks for the well wishes.

I'm looking for a good national insurance carrier that can cover mixed properties (SFRs and multi-families) in multiple states.