However, carriers won't tell you that you only need a small amount of that death benefit to be considered "permanent" insurance, where as the rest of what you need to have in order to honor the miniumum death benefit can be considered "term".

Very few carriers will do vacant with a pool. 

I would go much higher than 300k liability and do 500-1M if possible.HOWEVER,On your landlord policy it might ask if you allow pets, and if you do the TENANTS pets must be on YOUR carriers approved list as well.Hope this helps.

Steven,I'm not in your area so things may be different but we have several carriers here that allow that with no problem. 

I just had a carrier make me replace 6 damaged shingles in order to keep my coverage. 

Some of the condo communities and resorts were hit with large insurance assessments this year - a byproduct of the catastrophic storms that have plagued insurance carriers servicing coastal markets like Florida. 

In terms of taking on more liability, it boils down to what insurance will be less expensive and looking at what we are having to pay through the HOA (for insuring the aggregate of all units), it will likely be cheaper for owners to purchase individual HO3 policies to cover their units (as townhouses) as the carriers would not be taking on the risk of the entire $100M+ in aggregate replacement value, and the owners can take out policies for individual units with a whole range of carriers vs the HOA trying to get coverage through the secondary market.  

Trying to make claims on small stuff will get you dropped from your current carrier and keep other carriers from insuring you. 

Nine out of 10 carriers they called would not cover them, and they rightly thought, we should listen when the people whose job is to assess risk think this area is too risky.Seems like this is going to be an issue going forward, and I see wildfire risk affecting buyers' opinions in a few ways. 

Just filing suit against the business will force the business to notify their E&O carrier or likely void their coverage.