Workers’ compensation insurance is mandatory if you have employees.

Unless there is an emergency situation, take a lot of photos and call your insurance agent before doing any repairs.

Quote from @Brooke Morton: Does anyone have recommendations for condo/HOA insurance?

Quote from @Dyllon Gibbs: Hi All,Does anyone have experience with rent guarantee insurance and any specific companies?

Quote from @Marc Zak: Anyone have experience on the issue of getting insurance on a property held in an LLC?

Insurance-  replacement costs.  

In addition, some states have different regulations tooI'm sure that someone that specializes in Insurance can give more insight into what is and isnt necessary or best for our properties.

In the 2024 insurance market, CA is hard to place, so even though you could force them onto a single policy, it may be more economical to keep them separate.I'll send you a note with the carriers who can do this for you.

I took a break from school and shed all points of stress in my life.

I would ask the insurance company for more documentation on the reasoning.