Quote from @Mack Tesfa: Looking on recommendation for insurance provider for multifamily in Texas, Hidalgo county ,any experiencethank you   sent a DM if you'd like assistance

If the health department felt that there was an adequate field to support septic for a larger dwelling, they would have said so from the very beginning. 

You’ll need errors and omissions insurance (~$400/yr.), and you’ll have to do some continuing education for licensing compliance, then you might have some technology costs and some other costs I’m forgetting, of course vehicle maintenance and insurance and those types of things.

Throughout the year I come across situations where people need to sell there home due to a variety or reasons, job loss, income loss, health, divorce, etc.

In addition, some states have different regulations tooI'm sure that someone that specializes in Insurance can give more insight into what is and isnt necessary or best for our properties.

In the 2024 insurance market, CA is hard to place, so even though you could force them onto a single policy, it may be more economical to keep them separate.I'll send you a note with the carriers who can do this for you.

Typically people only get insurance on things that they own, or liability insurance for their own protection. 

Quote from @Paul Zofsak: Russell, what's the advantage of filing on my insurance if the HOA is liable?  

So I’ve read that unbrella insurance providers require you to use them for car and home.

Tenant wants to leave, so they claim mold and health issues.1.