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

Since my current strategy is BRRRR, I'm looking for a location where I can implement it successfully within my budget.I’d prefer to target the best neighborhoods or subdivisions I can afford, ideally with favorable eviction laws and other key factors.That said, I started wondering if there might be a better strategy to achieve my goals.

Do you have any projections for what will happen with the insurance market for this year, or is it even possible to project? 

Does anyone else do it like this and who do you use for liability insurance?

Moves risk to be financially covered by insurance hypothetically.

I'm just not seeing any strategy that can offset to any significant degree, the depreciating nature of either asset.  

This is also accounting for my increase in insurance costs due to adding insurance to the ADU. 

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

I knew the fire insurance would be CA Fair Plan.  

Insurance right now is wild, so I'd get a solid broker on your team - I'd be happy to share my contact if that would help.Also, aren't most of the existing insurances shared on the OMs for the properties?