There are things insurance excludes like flooding, toxic spills, sink holes, earthquakes, unless you buy a ton of special (and expensive) riders for your policy.  

To be able to work/volunteer anywhere I want without worrying about the pay, to be able to travel wherever I want without worrying about the cost or time away from a job, to be able to help others and the planet, and to be able to have a home base that is MINE.

Money changes everything, it is the ultimate tool on planet earth, with it potentials are limitless, without it limitless is the lost potentials. 

Only you can prevent BP turning into another toxic online forum.

First poor business decision making is not only an invitation to claims, but also an invitation to having your LLC 's purported legal protection vitiated or voided entirely.If all you are avoiding by having an LLC are the very minimal legal fees from the cases noted above, then you've just effectively acquired the most expensive insurance coverage on the planet and you don't even realize it.

@Forrest Faulconer your first statement that your primary home doesn’t haveThe tax and other advantages of investment properties is flat out flat earth level wrong.It takes nothing away from @jim k’s good analysis to acknowledge that a primary is one off he most subsidized and tax advantages investments in the planet, even after recent adjustments to the tax code.

It was the biggest mistake I’ve made as a landlord and caused me a toxic amount of stress and time to rectify.Lesson? 

Yes, my relationship with Proway/Autumn (and they tried to get me to sign a new PMA under the name "Alamo" last month) was about as toxic as any business entity that I've ever dealt with.

Pete Fortunato has some of the best creative real estate trainings on the planet.

There is NO company on planet Earth that has 100% positive reviews, you are looking for people that you can trust and if and when mistakes are made they will place your success over their own profits.