Online coverage has been broad too, with a heavy East Coast focus but extending as far as the Time’s newspaper in the UK and James Edition in China. 

I didn't realize there was only liability coverage for rental properties within an LLC.

@Mason FiasconeMason: I agree with the masses - the success of your investment will be predicated on the quality of your property manager and the amount of leverage you put on the property.If multifamily/commercial, run a model to make sure debt service coverage can handle stressed performance, and maintain a reserve.

@Wayne Brooks  without knowing details who knows whats happening.. but usually you have affirmative coverage or you have an act that your accused of that is not covered.. that as you state could be the case here.. 

@Samuel Carmichael besides what @Brandon Ingegneri said about looking at absolute dollar amounts to figure out if it's even worth the aggravation, I also agree with @Michinori Kaneko about looking at percentages.Personally I look at percentages first, namely 1) cash on cash return (yearly money back after all expenses including mortgage, divided by all money invested to get it rentable) and 2) debt service coverage ratio (net income after operating expenses but before mortgage payment, divided by the mortgage payment).The first is (obviously) a measure of return, while the second is more of a measure of risk as it tells you how much of a buffer you have between the property's net income and the monthly fixed mortgage payment.After you get a little more experience you'll also start to factor things like replacement reserves into account.

When has this happened to you and what carriers ("many"...) denied coverage?

That before you form the LLC in the area you plan to invest in, you need to ensure that LLC for the specific stare has external asset coverage.

Insurance companies all seem to have different names for the same coverage terms so it's hard to know what you have.

I do require all tenants to carry liability insurance coverage, minimum 1M,  and insist they show me proof annually of their policy renewal.

I was wanting to get coverage also for my SDIRA properties, mobile homes, ect....