Sports seasons and university events can drive STR bookings, while MTRs help cover the slower times.

Keep in mind you can have a policy in your personal name covering a single family rental and it is on a commercial form. 

Here’s a bit about my current situation and goals:Current Rentals:Number of Properties: 1Type of Property: Single-family home (we lived in it and turned it into a rental when we moved out)Location: Corpus Christi, TXInvestment Goals:Short-term Goal: Acquire more properties and build an equity-heavy portfolio to have leverage if needed.Long-term Goal: Build a portfolio that provides enough cash flow to cover all living expenses.Focus: Expand my portfolio, preferably to at least 10 properties in the next 10 years.Financials:Current Monthly Cash Flow: Close to breakeven (potentially negative by $20, factoring in reserves).Future Investment Budget: No savings at the moment.

However, unfortunately rental income does not cover all of the mortgage on this property, so I will also have to transfer money in from my personal account to the new checking account.I hope that explanation made enough sense to follow.

I also have general liability insurance, a personal umbrella (which I don’t think will cover me as I may need a commercial umbrella).

Every time they left there were damages that I would have had to cover.

Duct is maybe not the right word exactly because they just cover the refrigerant line.

@Colleen WoodsWe have offered to guarantee the buyers 20% down payment since it was not covered by the lender’s bond.

I had the same issue with AOL decades ago - they called it spam, I called it covering all the bases.

Anyone know of insurance that covers bed bug eradication and lost revenue?