The applicant applies and pays for the coverage, we're listed on the policy as the insured.

Often, these are some of the hardest properties to get title insurance on for various reasons, and your policy may not be quite the same coverage-wise as what you'd get on a "normal" purchase on the MLS.

When I could've lowered coverage and sent it multiple times to a smaller lead group. 2.

My water usage bill is the same,  general lability coverage is the same, if and when I have to replace my water service line it will cost the same, the cost for my lawncare and snow removal costs the same, exterminating services cost the same and the list goes on.   

After contacting four insurance agents, I've been consistently told that I need to purchase two separate policies: one for standard coverage and another for liability.The only option presented to me is the California Fair Plan, which offers limited coverage.

Does anyone know if I qualify for this, if I don't have flood or wind coverage with the insurance company.If anyone else is in the same boat, feel free to connect.

Lenders want that security, especially with newer LLCs, and often, you’ll need to show personal backing.A DSCR loan (Debt Service Coverage Ratio) is an option that looks at the property’s cash flow rather than your personal income, which is why many loan officers suggest it for newer businesses.

I realize that this is likely specific to Proper insurance as most insurance plans don't even offer commercial coverage. 

I would be more focused on getting adequate insurance coverage.

I would like to hear your thoughts when it comes to looking for insurance coverage.