Does the insurance company feel comfortable insuring in that area, does the lender want to lend on this property... and so on. 

Do they pay for vacation pay, medical insurance, workers comp, payroll taxes, PTO & holidays, ongoing training, trucks & commercial vehicle insurance, liability insurance, admins, marketing, SEO, liability insurance, bonding fees, licensing fees?

Keep the funds away from your day to day accounts.Check your insurance.

You’ll want to consider the purchase price, HOA fees, taxes, insurance, and the rental income you can realistically expect.

This will allow you to run specific underwriting and projection tools to better assess each option.Remember, owning a property with a pool comes with added expenses, such as heating, emergency and routine maintenance, and higher insurance costs.

Umbrella Insurance  is a good way to protect assests or some people use both .

I do believe you’re right, it needs to be given willing and generously instead of out of obligation.

If so, what type and amount of coverage do they have carry for them.Secondly, I'd ask an insurance agent I presently use for advice, given your situation.

As for insurers not renewing insurance in certain zip codes it happens all the time. 

If you wait to serve until November 1 or later, you would have to wait until January 1 to start a court date.Of course, the tenant may not know this, but you are under no legal obligation, in most states, to educate them.