Insurance typically covers only the directly damaged area, not undamaged flooring, even if it's continuous.

@Eric Robertson I'm the founder at Obie Insurance.

Adding your property manager as an additional insured means they will be listed on your insurance policy as a named insured.

Insurance is awful.

I have home owners insurance should i buy another landlords policy as well?

Many insurance companies do not allow adding a landlord as additional insured.  

Do any of the tenants have Dogs (Breed restrictions are individual to each company).These may not prevent you from getting insurance but they may limit the number of companies willing to insure it.

., We were over a decade without insurance, and when I refinanced and insurance was needed, I had no trouble getting insurance in place.  

I generally prefer higher since I don’t plan on putting in small claims, it’s basically just for catastrophic loses and the savings in premiums over multpiple properties for multiple years should balance that out if I have ever have to use the insurance.

Any recommendations for Umbrella insurance providers for each partner to cover any liability?