I heartily endorse #1.

Final one, Many of my clients are fortunate to have Water Damage endorsement which helped them to get insurance pay for their damages.

The note will be endorsed (without recourse) and trust deed will be assigned to your custodian fbo of your IRA, like you were purchasing a whole note.

You can even get coverage (via endorsement) that insures they are contiguous, if so desired.

Here are several important factors to keep in mind if the program lapses:•New business policies for which application and premium payment dates are on or after January 20, 2018, may not be issued•Endorsements to increase coverage on existing policies for which effective and premium payment dates are on or after January 20, 2018, will be not be processed•Renewal policies with effective dates of January 20, 2018, and later, for which renewal offers were issued prior to the lapse in authority, for which premium payment has not been received within the 30 day grace period will not be processed•Renewal offers for policies with renewal effective dates of January 20, 2018, and later that have not already been sent as part of standard the renewal processing schedule will not be sent until Congress has reauthorized the program•Renewals with effective dates that fall during the lapse period which have already been sent as part of the standard renewal processing schedule and for which premium payment is received by The Hartford before the end of the 30 day grace period will be processed and remain in force•Policies in force as of 11:59 pm January 19, 2018, will remain in force, and claims for covered losses under those policies will be processed and paid as normal•Existing policies may be canceled per the insured’s request during this lapse period in accordance with valid NFIP cancellation reasons as outlined in the Flood Insurance ManualThere is a silver lining here and that is that there is a strong and growing private flood market.

If you want something negotiate it and put it in writingSolid advice IMO Dannys advice is spot on, as is Chris's endorsement of that advice even if you fail to see that. 

I haven't worked with them personally so I can't endorse them one way or the other, but take a look at Stepstone Realty, that's basically their business model in a nutshell.http://www.StepStoneTexas.com

.: I think there are examples of when I feel title insurance is unnecessary: - Deeding a property from entity you own to another entity you own (aka: deeding a property from your name to a trust).If you do this without getting an endorsement on your existing policy, there is a good chance you will lose your existing title insurance if a claim later comes up.

More of the companies here in CT are adding endorsements that you can purchase to cover the service lines (water, gas, etc.). 

But, I offer a no-questions-asked money-back-guarantee for anyone who buys my books (Josh and I agreed up-front that we wouldn't have it any other way), so if anyone feels they haven't gotten their money's worth, all they have to do is ask for their money back.If LU (or any of the high-priced training companies) offered the same guarantee, I would be the first one to endorse them.