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

My insurance broker has shopped this stuff around, but there was a huge contraction in the amount of places that will cover apartments this year. 

Second, Maybe drop insurance from cabins and only insure the high value buildings and have an umbrella policy or something to cover general liabilities etc. 

The rent covers about 65% of my mortgage. 

Tailoring the document to include compensation only for homes that the agent assists you with should only take 30 seconds to type up, and many probably already have a standardized template document that covers that exact situation.It's a pretty straight forward scenario, so I'm not sure why you keep arguing with people who are responding to your post. 

It didn’t make my insurance much more expensive but it did have to be covered by the commercial policy.

They give me an Owner Statement each month with all the details like Beginning Balance, Cash In, Cash Out, Owner Disbursements, Ending Cash Balance, Property Reserve, and Net Owner Funds.It’s super helpful, but it doesn't cover all expenses, and I need to get all this info into QuickBooks.

We have a heated in-ground pool, and that covers pretty much everyone in the cooler months (not many cooler months in central Florida).

In my short-term rentals we of course cover utilities for our residents. 

Think of it this way, would you rent a car where the rental agency requires you to cover costs if it mechanically broke down during normal use?