A blanket loan is one note, one deed, one mortgage, that covers bulk of small valued individual assets.  

If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

However, I always caution that, if you are using the LLC as cover for being negligent in providing safe accommodations, it will not protect you.

Assets identified in this study include:Appliances: Oven/range, dishwasher, refrigerator, washer/dryer, microwaveElectrical and communication systems: TV connections and dedicated equipment outletsCabinetry and CountertopsDecorative light fixtures: Sconces, pendant fixtures, chandeliersInterior Finishes: Crown molding, wood panel wall covering, window treatments8.20% of the total depreciable basis was classified as 15-year class life.

.: Emotional support animals are covered under FHA.

She covers our LTR portfolio property management activities, and I assist during weekends (Saturdays are always busy with rental stuff for us).1.

First, leverage house hacking, which allows you to live in one unit of a multi-family property while renting out the others to cover your mortgage.

Does anyone have any experience relying on home warranties to help cover appliances, etc?

We recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

That said you certainly need to manage your cash well in order to cover the bills in the down season.