Many of these make more profit on a bottle of soda than on 10 gallons of gas.The other model is Gas + auto repair / inspection / sales. 

Thanks to all who messaged me privately and @Chris Mason, I found Auto Owners was pretty competitive.  

It used to be included on a lot of our auto insurance policies but many companies have gone away with it to keep costs down.

Just like auto insurance, it isn't to buy you a brand new car, it is to fix yours or give you the value of the car as of the date of loss.

Meaning, for it to function properly the Heloc needs to have a checking account with an auto sweep to the Heloc as well as the reverse, when the checking calls for funds it can reach out to the Heloc for coverage. 

This includes medical malpractice and auto accidents, both of which are significantly higher than what you would see with a landlord slip-and-fall or mold injury claim.3.

What is the best option for a landlord policy for someone who owns multiple rental properties(AZ and CA) and has no primary home or an auto? 

You are doing all the tax savings such as HRA, 401k hiring kids, and writing off auto.

An auto dealer who owns an empty lot across the street from his establishment wanted to get approval for a parking lot to park his cars in the lot rather than on the sidewalks when the city cracked down on it.

I may have property that has an old abandoned auto shop I can remodel and repurpose to a commercial kitchen.