I'm an airline pilot for a small regional carrier, been here 10 years.

The garage door was never cemented over on the interior--it is still visible.My insurance agent says that the carriers don't mind the conversion as long as the space is heated/cooled.

No, I'm not requiring it because I had a situation where the tenants got it and I was listed as "additional insured", and then the carrier later dropped the policy because it had "too many insureds" on it, even though they initially agreed to write the policy with my name included on it.

.* We have insurance through traditional carriers and they have covered the property with the LLC on the title.

Wet wall, contact the HOA's insurance carrier; HOA's hate to have to answer to their carrier and have the rates increase.Read over your condo docs thoroughly and get picky about the responsibilities of an owner/landlord.  

The insurance carriers are most likely to pay out quickly without much effort.  

If you rent it out the way it is (non legal and non habitable) and someone gets injured or dies, your insurance carrier is likely not going to cover you since you were negligent by renting what you knew was not legal or safe.

Dwelling coverage, "landlord insurance," with at least $500k liability per house is recommended for small homes and portfolios, but once you get a larger portfolio an umbrella definitely doesn't hurt.I'm biased, but an independent agency will typically give you much better options than a captive agency, simply because of the fact that they can shop around and have a broader knowledge of each carrier's pros and cons.Most of the time you should be able to get bound the same day as you request a quote.

Do you mind sharing which carrier you use?

That being said, you need to be aware that your work comp carrier will audit your books at the end of every year and you will be charged for every $ of insured subcontractor payroll (a relatively lower rate) and for every uninsured subcontractor (at the rate for that contractors trade).