Then the tenant should be required to add you as "Additional Insured" which protects you under their policy.

Big cities tend to have more regulations, more crime, more leftist-leaning policies that hurt investors and private property rights, etc.

Assuming you don't have a mortgage that requires a certain level of insurance, you can get a stop-loss policy covering all the properties. 

If you're seeing a charge, shoot me a direct message with the email on your account and I'll be sure to help out :)Also, although our official refund policy is consistent with the industry standard of not refunding after purchase, we actually do often break that policy as long as someone reaches out the same day.

I would caution on having a high deductible / inadequate coverage policy with a property in Athens.Dan, a comment you made that I don't concur with is the cap ex on a new build of 300/month, unless it was a low quality builder (I have no idea who the builder on this property is). 

It could be fast tracked or it could take 6+ months as government stuff normally does. 

Without population growth, your rental income will lag behind inflation, requiring you to find additional sources of income.How long your rental income lasts depends on the job growth in the investment city.Non-government jobs are inherently temporary.

Even if we didn't renew the tenants when the leases were up or if they had their own renter's insurance policies, we felt it was a bit too risky.  

New Jersey is one of the least landlord friendly states in the country - FACT.Liberal policies are not friendly towards landlords- FACTNew Jersey is a liberal blue state - FACTI was nice in my original post.

What kinds of policies do you think might help ensure ongoing affordability as Texas continues to grow?