Attic insulation is one of those things that I am not sure how much practical effect there is, I only add attic insulation whenever the government subsidizes the cost, and after it's done I don't see any cost saving in my utilities bills (student rentals). 

However if you don't have a primary policy, or if the original policy does not cover the loss, then the umbrella would not either.

>The reality is we are not in business to protect any other landlord than those who we manage properties forSad statement>math for our client owners works out much better to get a bad tenant out as soon as possible.i am not convinced because this policy encourages the behavior which increases the chance that you will encounter such a tenant.  

I can't help with that.Regarding insurance, you will need a STR policy.

The mortgage is secured—or collateralized—by the house, the buyer’s name goes on the title and the mortgage is recorded with the local government.2.

I just graduated and am currently working as an intern at a government agency (for up to one year).

In the handful of cases that I'm aware of, the lenders found out when changes were made to the insurance policies for the properties (the lenders will get notifications by letter of any changes to insurance policies where they have an interest).

The down side to Latin America is that the government can change at any time leading to civil unrest.

This includes (but not limited to):-Quiet Hours-What spaces can and cannot be used-Guest policy (make sure to limit days in a row and in a month)-Pet policy (even if you don't allow pets, if someone has an ESA animal, it would be good to have guidelines in the event they surprise you with one, otherwise you are SOL and of course take into consideration fair housing laws)-How is trash put in the cans (in bags, not just thrown in) and when can trash cans be taken to the street and put back-How is the late free structured (one time flat fee or a daily fee)2.

The landlord may be planning on making it their 2nd home or any of numerous possibilities that the government removes with any law that changes that.