A policywith a higher premium may be a better deal if it does not have a wind deductible.There are many endorsements that are available on the homeowners policy.

You can see a sample of that form in the link below.https://www.uuinsurance.com/z_Agent_PDF_Forms/Policy%20Jackets/HO4%20Renters.pdfAn explanation of the contents of the HO-4 is in the link below.http://www.insurance-education-group.com/ho4-renter-insurance-policy.htmlSome additional coverages for the tenant to consider are:Additional Living Expense - this endorsement reimburses the tenant for out-of-pocket expenses over and above their normal expenses due to the property being uninhabitable from an insured loss.Damage to Property of Others caused by an insuredMedical Payments in the event a third party is injured on the premises Flood Coverage for Tenant's personal contents (not offered to renters except as a separate endorsement)Burglary Property Damage coverage (not offered to renters except as a separate endorsement)All Physical Risk rental policy has coverage for just about anything (most tenant policies are Named Peril, not APR)List of some renters insurance providers, AKA personal property insurance providers (list is in no particular order):Lemonade http://www.lemonade.com/Jetty https://www.jetty.com/renters-insurance/Amica https://renters.amicacoverage.com/Progressive https://www.progressive.com/lp/renters/Geico https://propertysales.geico.com/LandingState Farm https://www.statefarm.com/general/renters-insuranceAllstate https://landing.allstate.com/aff/auto-renters/responsiveUSAA https://www.usaa.com/inet/wc/insurance_home_rentersAssurant https://www.assurantrenters.com/ePremium https://www.epremiuminsurance.com/Renters-Insurance/Default.aspxEsurance https://www.esurance.com/insurance/rentersFarmers https://www.farmers.com/renters/Liberty Mutual https://www.libertymutual.com/multi-online-quotes?

Being the holder in due course is evidenced by the assignment of mortgage or the assignment of note and deed of trust together with the endorsement on the note itself.

@Nino AlfanoAgreed with all, I received that same information with the tickets in the mail here in Youngstown a couple months ago..... just a sales pitch with celebrity endorsement.

Once you won the bid, you endorse the check(s) and it over to the auctioneer.

Assuming title will insure over the quitclaim deed you should be able to purchase endorsements to your title insurance policy to mitigate some of the risks you are concerned about.

Not endorsements.

My suggestion is to invest in your business and get expert legal and accounting advice.Sorry I don't recall his name, my appoligies to him, but there is a mortgage compliance company individual who has posted here, I'm not endorsing any company but there are companies that specialize in setting up lending compliance operations.In my examination experience I have never seen any lender who was ever in total compliance in all areas of thier operations.

As far as the detached duplex goes, there are endorsements within one policy that will cover it all under one policy.

@Cole Walker - Thanks for the endorsement on the book.