I did a search on the forums and insurance seems like it could be a major problem.I have houses in two different LLC’s in Texas and insurance is not an issue at all.

@Kwanza P.Here you can learn more about non-recourse loans:https://www.biggerpockets.com/member-blogs/2810/46115-real-e...Here is a list of lenders offering non-recourse financing to Solo 401k:https://www.biggerpockets.com/member-blogs/2810/50272-list-o...You protect your property by purchasing insurance. 

I would ask the insurance company for more documentation on the reasoning. 

Our current insurance company decided to not renew the policy.

Quote from @Brooke Morton: Does anyone have recommendations for condo/HOA insurance?

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

Registration fees $800+ SOI $50 fees California and legal stuff-keeping it simple-easier to refinance a SFR if decide to just BRR and cash out refi in my personal name versus trying to get loan in LLC name. 

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.

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