FI with a huge buffer for law suits, life changes, health issues, etc.

Does this add protection of my properties from personal lawsuits? 

Each title company presents their 'offer to insure' called a preliminary report, subject to their interpretatation of status of title and their list of exceptions, if any, which are the 'fine print'.Generally, prior to a quiet title or other lawsuit requiring notice to other parties of interest (including creditors) a litigation guarantee is the product offered, naming all those parties that requiring noticing, including any government agencies. 

Hold harmless clauses and insurance don't prevent a lawsuit, they are simply layers of protection.  

We do this at the beginning and tell them it is to ensure if they leave the job in the middle or do something inappropriate that we know where they live and will have our lawyer deliver a lawsuit.  

I do not pander to these people in fear of a lawsuit.  

In other words, they are required to work against you when it comes to price and terms.Yes, there are no doubt unethical agents who will screw the seller by accepting a lower offer so they get paid on both sides, but most of us (and I think it's the overwhelming majority of us) aren't about to risk fines, lawsuits or loss of license for an extra commission.

A nice little mother in law suite could be a better idea.  

Some trusts can also protect assets in the event of a bankruptcy or lawsuit.

I tell people I haven't had a good week till someone threatens me with a law suit.