My water usage bill is the same,  general lability coverage is the same, if and when I have to replace my water service line it will cost the same, the cost for my lawncare and snow removal costs the same, exterminating services cost the same and the list goes on.   

I realize that this is likely specific to Proper insurance as most insurance plans don't even offer commercial coverage. 

The author and article suggests to utilize the climate risk data before committing to an investment and be familiar with specific risks in your area—whether it’s floods, wildfires or heat waves.They recommend these valuable tools to assess these risks:FEMA National Risk Index – Provides a comprehensive overview of natural hazards across the U.S., including floods, earthquakes, and severe storms.USDA Wildfire Risk to Communities – Offers detailed insights into wildfire risks for homes in specific regions, particularly useful for properties near forests or dry areas.Risk Factor – Analyzes flood, fire, and other climate-related threats for individual properties, giving you a risk score.Climate Check – Delivers property-specific climate risk ratings, covering heat, drought, fire, and floods.Do you consider environmental factors like flood and heat when investing?

Lenders want that security, especially with newer LLCs, and often, you’ll need to show personal backing.A DSCR loan (Debt Service Coverage Ratio) is an option that looks at the property’s cash flow rather than your personal income, which is why many loan officers suggest it for newer businesses.

Follow these tips to verify the authenticity of references and gather comprehensive insights into a tenant’s rental history.Verify authenticityAlways confirm the contact information provided by the tenant.

He found it challenging to get comprehensive info on their historical performance and the underlying assets.

I would like to hear your thoughts when it comes to looking for insurance coverage.

I would be more focused on getting adequate insurance coverage.

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My agent, for instance, called me just days before a storm to remind me I could still bind policies and even updated some coverage to ensure I was fully protected before the storm hit.