Not defending them, but charging you x% of income means they're the same as any other mgmt company with the same fee.  

If the company decides it has liability to you as the insured but not to the grantee/Plaintiff the company may pay for an attorney to defend you against the lawsuit you brought against yourself. 

If not, the grantee might have to bring an action against the grantor and the underwriter might retain counsel to defend it's Insured giving rise to the Insured sues himself wearing a different hat. 

This way as a landlord, you aren't discriminating, you're passing it off to the insurance company to defend their logic. 

@Jared Webb You could write a lease any way you want and be "technically" right but if this went to court do you really think you could defend yourself if the unit is listed on AirBnB?

However calling another agents client is like a prosecutor showing up at the jail cell of a "suspected" criminal and ignoring their right to counsel while "pushing their offer" after a defendant has stated a "desire of counsel to be present during negotiations". 

I have to be guaranteed that my tax preparer will show up in tax court and defend the return if that ever becomes necessary.

What can we do to fix this issue how can we defend ourselves.

The higher your insurance limits, the better you are going to be defended.

@Max Frenkel Go to the Official Records search on the Clerk of Court site....enter the defendant name, you will see all mtgs,liens, the LP and FJ, etc for this property.....