Make sure pool is listed on your insurance policy.

Since companies have a limited lifespan (10–18 years on average), cities must attract new businesses to maintain job opportunities.Factors Companies Consider:Low Operating Costs: States with lower property taxes and insurance costs.Low Crime Rates: High-crime cities deter businesses and tenants alike.Natural Disaster Risks: Avoid areas prone to disasters, as recovery can take years, impacting your rental income.City Size and InfrastructureFocus on cities with metro populations over 1 million.

Wind is one of the subtle items that Insurance companies are starting to exclude. 

On insurance side of things, there is a lot of variables.

Rentals boil down to how much do you net after paying principle, interest, taxes, insurance, and a maintenance reserve.  

STRs work best in tourist-heavy areas with high demand, while LTRs perform well in markets with stable economies and diverse job opportunities.

Quote from @Paul Zofsak: Russell, what's the advantage of filing on my insurance if the HOA is liable?  

Did the insurance get cancelled in this case. 

Curious if any General Contractors have recently originated commercial general liability insurance and build units that are sold as Condo/PUD's.

It’s time to look into home owners/rental insurance.