I have owned the Trane and Carrier A\C units in my rentals.  

Allstate (my carrier) doesn't write landlord policies for LLC; that's why I had to just do it that way, but good thought.

Kimberly,In terms of your predicament I am guessing you currently have a personal lines policy protecting your properties and most personal lines carriers do not like to have LLC as the named insured on their policies.What I would suggest doing is obtaining a commercial lines policy, they have absolutely no problem writing a policy with an LLC and have the same ease in adding multiple properties to the policy whenever you want.Not sure of the markets out in Illinois but look for Hanover and Mercury, they are both good at scheduling mulitple properties on a General Liability/Property Package(sometimes call a businessowners policy or BOP).Not only will you have the ease of adding properties but also you typically will have higher limits of liability AND lower premiums.Hope this helps!

It can't be one of 10 breeds my insurance carrier won't cover, no more than 2 animals total, they pay a much larger security deposit (check your state/local regs on this) and I must meet the dog.

If this is the case, it's worth a phone call to your insurance carrier now, and worth a few hundred dollars to talk to an attorney for an hour to figure out the next best steps. 

Without having a clean 4-point and a current wind mit, the cost will be ugly and the carriers limited to none.  

Emotional Support Animals are protected under the Fair Housing Act, Air Carrier Access Act as well as the Americans With Disabilities Act (ADA).

Certainly, you must know what percentage of claims processed by you and your carriers for your own customers are approved or denied, right? 

Any increases in real estate taxes are borne by the cellular carrier as well as legals if it goes to litigation (assuming the carrier really wants the site badly).

I wanted to add a playground at an apartment complex and was told if I did the insurance carrier would cancel my coverage.