This was about $1,000 more than I accounted for in my insurance numbers so I'm wondering if I really need this type of policy or can I just get a regular homeowners insurance policy?

Experienced contractors regularly have to add change orders once they get started because things arent always the same once you start doing the work.  

I live in Southern California but my family is from Iowa so I visit regularly and am interested meeting investors in the area.Thanks!

Coach Carson talks about the small but mighty investor and how you're way ahead of non-RE investors with a few solid appreciating properties3) If you haven't done this already put your money into high yield savings account so your cash reserves can grow 4 to 5% not a regular savings account earning 0.1% interest. 

From their credit report, it appears they are making regular payments and haven't been late with any payments on anything in several years, so perhaps they just put their wedding on the cards or something and planned to pay it off, but I don't know.

Not to mention regular beach partiers.  

It looks like I will be able to file a lawsuit in my Texas county instead of theirs because they do regular business in Texas by selling their products via a sales rep who solicit business by phone and email. 

and any contact info.I'm not allowed to self-promote here.

This helps in planning and ensures you’re prepared for unexpected costs.Consult with Your CPA Regularly: Have periodic check-ins with your CPA to review your financial strategy, tax planning, and any changes in tax laws that might affect your investments.

We are lucky to have contractors we use regularly locally and get bumped up in the cue when we need work done because they know we are here for the long haul and will keep bringing them business.