Quote from @Jerry Zigounakis: This just in from proper insurance"Thank you for your interest in Proper Insurance® Due to strict brush/forest fire scrutiny, our program underwriters have declined your property coverage.

No contracts and you can transfer your cameras from project to project.Depending on how much coverage you need they have really low monthly plans.

Should he be on the loan, the title of property, insurance coverage? 

Umbrella insurance is usually a very large policy of $1 million or more, extending your coverage for larger situations.

If your insurance coverage isn't enough, they could seize the LLC assets but not your personal assets.Additional thoughts:1.

Right now we're inquiring with our insurance provider to validate proper coverage, checking with our rental license if it covers uses like this, and working through what a lease would look like. 

We have coverage in West Virginia and would be happy to help!

The last Liability only policy we did was 7 Single family rentals in FL, $1M of coverage for $1,700 per year. 

Does anyone have experience with getting $1 million landlord liability coverage on their policies through Obie?   

Look into a DSCR, Debt Service Coverage Ratio, loan where the rental income can be used to qualify the cash out refinance instead of your personal income.To Your Success!