Assuming that the Rental is a 1 – 4 family house (not in the rehab process) the policy you want is a Dwelling Fire Policy (individual companies may call it something different ie Landlord policy).Some of the things you need to insure:- Liability (I recommend maxing this - $500,000 is max in most of our carriers but some go to $1mm)- Medical Payments (Pays w/out determining fault - most carriers will max out at $5,000 but some go higher) - Building (Look for "Special Form" coverage and Replacement Cost.)- Contents(for the contents you include in the rental such as Appliances, Funiture, etc.)Look for "Special Form" & Replacement Cost as well for Contents - Loss or Rents/Business Income (limit should be greater than your 12 mos. of rental income)- Loss Assessment (if you are in a homeowners association you should look at this coverage)The things to watch out for/avoid from an Insurance perspective are:1.

I spent 9 years active duty in the US Navy landing on aircraft carriers and teaching flight students how to fly jets (without killing themselves or I).

Although the loan documents definitely do not require earthquake insurance, the note holder is using a vague "weasel clause" that says "Borrower shall keep the improvements now existing or hereafter erected on the Property insured by carriers at all times satisfactory to Lender against loss by fire, hazards included within the term "extended coverage", rent loss and such other hazards, casualties, liabilities and contingencies as Lender shall require and in such amounts and for such periods as Lender shall require."

Also you dont have to worry about paying for it ITS FREE and you can change your cell phone carrier and not have to print out new cards.

They should have the carriers to meet your phases of investment. 

Some carriers in GA only allow 4 properties to be insured through them.

the 4th property will be rented by the end of the month. i have been a landlord for 3 years and a couple months ago, the insurance broker who wrote my policy informed me my policy was switched to a new carrier (AmTrust North America)....i just received an email from my broker telling me a rep from AmTrust drove past three of my properties on the policy...if i dont make the following repairs in a month they will terminate me. 

If I'm the adjuster representing the builder liability's carrier (as I have been), you're not going to win.

A lot of insurance carriers won't cover dwellings with PB pipes.  

Needless to say I would like to think I had something to do with a # of my friends switching carriers and have yet to say something good about that company to anyone I talk too!