Do I purchase it in the name of the LLC and then quit claim it to the Trust, and, if so, are there any consequences?

Where I live in Lake Tahoe, Nevada there are HOA associations have been poorly run, multiple insurance claims from snow damage, and as a result are increasing fees to cover the low fees of the past and capital expenditures that have been put off for years. 

Could get a policy with it as a second/vacation home, but expect I'd run into claims issues if BnB renters caused a problem.

You could have had claim forgiveness on your policy (for your first claim)3.

Tenant moves out, you spend $600 on cleaning and repairs, you file a claim, and Obligo pays you $600 in three business days.Here's the real good news: Obligo pays you every time.

What everyone is saying is that your cost assumptions are unrealistic.  

-I have opened a claim with my insurance company, the adjuster has not inspected the property yet.Any advice?

Her claim is that her disability requires that she not move furniture and further that she is uncomfortable with anyone else moving her furniture and her mental health disability requires this accommodation.

Insurance claims are never fun and with being in an HOA certainly makes it a bit more complicated.  

You can claim depreciation on the owned property and this can offset the income from the property.