I'd weigh lightly on the 'trust' aspect.  

U already noted closest we put NO WIRE closet racks in our finish carpenter does all our closets.. the other thing we do is put a light in each closet on a switch small thing but man do they like that ..

Our coverage was a little light for the extent of the accident.  

You definitely shined on light this.

Not impressed with other large institutional managers who are very light with boots on the ground and in many ways have the attidude they are assisting you in managing the property, not managing it for you.

I definitely understand everyone else's practical advice regarding "lifestyle investments" but also think there is something to be said about following what lights a fire for you! 

I’m hoping someone (anyone) can shine some light on the differences between Homeowners, landlord, umbrella insurance.

You are better off finding a solid property that needs light cosmetic work (paint, floors, or maybe even a kitchen or bathroom remodel), buy it at a decent discount and put 25% down or more (this is when you get best rate terms). 

Hopefully this gives you some light at the end of the tunnel. 

Long-term wealth is it's superpower, and yes, you have a little cash flow to keep the lights on.