My insurance agent often does an adequate job.That sentance alone tells me I should shop around agents/providers, but what is the easiest/most effective way to do that?

If your retirement utterly depends on having adequate cash flow from your properties, any downturns will cripple you.

If your retirement utterly depends on having adequate cash flow from your properties, any downturns will cripple you.

Federally backed mortgages cannot be called due on sale if it is a transfer to an entity with the same beneficial owners provided that the insurance is properly updated.But this naturally begs the question - if you're adequately insured, which means letting the insurance company know about the entity, that you're operating the property as a rental so appropriate liability limits are written WHY both messing around with the LLC at all?

As long as you carry adequate insurance, as a landlord this means at least $1-2 million GL or umbrella per occurrence plus defense costs, the LLC's "protection" is never going to come into play.

If your retirement utterly depends on having adequate cash flow from your properties, any downturns will cripple you.

I do believe there is merit in following simple best practices that have asset protection as a side benefit:  1) Taking out large mortgages on properties to minimize equity; 2) Having adequate liability insurance; 3) Contributing assets to retirement plans and other protected vehicles; 4) Dividing ownership of family assets between yourself, your spouse, and your children; and, especially, 5) Running an honest business and treating people fairly.  

QI failures can fall into several categories: scammers who steal money or information, ineffective operators who can blow your Exchange and get the IRS after you, weak QI infrastructures that don't have adequate insurance or safety protocols against outside fraudsters, etc. 

. $1million in umbrella coverage stacked on top of the underlying liability coverage for the property is more than adequate. 

I wouldn't advise hiring a vendor who doesn't have  adequate insurance coverage.