Self-insurance is really no insurance.

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

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.

Having your son involved in the loan, title, and insurance policy does have both benefits and drawbacks.

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.

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

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

Insurance market across the country is very tough, especially for older product. 

Currently we are finalizing paperwork and figuring out what insurance we need and just trying to figure everything out all at once.

Unless there is an emergency situation, take a lot of photos and call your insurance agent before doing any repairs.