I didn't get an LLC but got an umbrella policy and talked with my insurance agent about the amount of coverage on the home. 

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I’m especially interested in finding a tool that provides comprehensive data for both short-term and long-term rental analysis, along with market trends and financial forecasts.Your feedback would be incredibly helpful as I narrow down my options and choose the best app for my investment journey.

I would add that this is a geat time to reassess not only insurance coverage but any recurring expense as well as maintenance needs.

Typically I am seeing investors put down 30-40% to break even or cash flow a bit, so that is about the same as your 80% coverage ratio. 

Personally I think it should be a legal requirement for the reasons detailed above, showing comprehension for the legal contract there entering by proving consideration and thought has been made for potential exit and dissolution of said contract. 

What is a storm rips through and trashes the roof, BUT the condo project does not have enough insurance coverage to fix it, the value of the all the units in the project just went down. or, even if they are able to fix it but  the coverage premium doubles so the HOA has to double the monthly HOA dues but half the complex can not afford it? 

Refinancing loans with a focus on Debt Service Coverage Ratio (DSCR) can be a strategic decision for businesses.

Most lenders will also look at debt coverage ratio which limits leverage at this time due to higher interest rates.

Who would you recommend I contact to get coverage?