He has given me a copy of his Accord form for his liability insurance but I'm not an authorized user or additional insured.

Why would they ever confiscate property right's to then take on liability of landlord to rent to all when they can make us all tenant's via LENDING terms. 

For liability reasons, should I install a fence along the water and put a gate in front of the bridge?

They actually can have liability if they don’t withhold.

You do not want to expose yourself to the unnecessary (and endless) liability of hiring unlicensed workers for what you're describing as full home renovations.

Most Californians will just use living revocable trusts for holding assets to avoid probate and allow for proper estate planning, and then achieve liability protection through other means such as LLCs, insurance, etc. 

I know Proper is specifically cited for its comprehensive coverage, which is detailed very well on their quote -- everything from liquor liability to assault to sinkholes... 

Umbrella policies are for added liability coverage when you own multiple assets ( homes, cars, etc).

@Paulo PatamAn LLC is limited liability and will only protect you so much.  

I am also in the process of getting these properties into LLC's to minimize liability since these are now quite hefty assets.