The guest claims the lock on the door wasn't secure enough or that they yelled for help but no one came out.

The biggest problem is speed of service on claims.

If you can prove the lender originated a loan with you and did not have the capital to fund the loan in its entirety, this might be a claim as you are going to experience delays, higher carrying costs etc.

I have a few rentals and my insurance is all coming due soon and everything went up without a claim ever on anything. 

We had a fire/landlord policy with Norfolk and Dedham insurance, however after my last tenant and last property manager allowed my property to get into a state of severe disrepair, including water damage from a dishwasher/septic backup, which was never remediated, my insurer dropped me from coverage as a "bad risk" (we had made a claim for the water damage by the tenant).

The Florida safe harbor seems to be a giveaway to the banks, since a regular purchaser must cover all outstanding dues, but the bank can claim the safe harbor benefit.

Doing so will provide liability protection and shield your personal assets from potential lawsuits or claims related to the property. 

Here are a few below:Generally, buying through your personal name can reduce the interest rate - commercial rates on LLC mortgages are usually higher but you can research thisMost LLCs on incorporation don’t have any credit so it may be difficult to find. a lenderIf you own the property in your personal name you are exposing yourself to more risk and will want to transfer the property into LLC as soon as you canIf you own property in your personal name and transfer to LLC the lender may not allow or can call the entire loanLLC or personal ownership you need insurance.If you search the forums for this topic using the magnifying glass feature in top right corner of your screen on BiggerPockets you will find a lot of discussion on "Quit Claim" "Buying through LLC", "LLC or not" etc....

It's not very hard for someone to search and find that you as an individual quit claimed into an LLC, so it's super easy to figure out that it's you who is the owner.

We've also been using $250/door as a rule of thumb, but I believe those numbers are going up this year based on the amount of loss/claims incurred last year with the Hurricanes in both Texas and Florida.