If you don't use it correctly, then you will be able to be sued personally and your personal assets will be at risk anyways.

They/you can't choose the carrier - their software assigns it.Fortegra is one of the carriers (paper in insurance parlance) that their product is written on.That said, Fortegra is A- rated I believe by AM Best so that isn't the issue.I'm going to take a guess and say that your umbrella is written with PersonalUmbrella.com (Markel) and they require all underlying insurance to be A-rated but also with an admitted carrier. 

If you plan to invest in multiple states or require advanced asset protection, consult a CPA or attorney to explore options like a holding company structure.

From a tax standpoint, there are additional disclosures to make when selling a business asset for less than fair market value to a related third party. 

Renter's Insurance is a cheap date for the tenant; it protects their security deposit and assets. 

The asset was sold a couple years later and the operator gave all investors the option to exchange into a new acquisition or liquidate.

(1) File FiFa with the courts(2) Find assets (car etc.) to file lien.

With real estate investing, you have the tax benefit and depreciation along with what is hopefully an apreciating  asset.

On a more enterprise scale, I employ RevMax software as well as a fractional revenue manager who looks at the prices daily on a market level and a comp set level. 

Real estate is and always will be a good idea because it allows you to create lasting generational wealth and leverage cold, hard, tangible assets!