hey @Noyessie Hubert Im an insurance agent and I specialize in the home buying industry-- we work with multiple carriers! 

It often feels like a constant game of cat and mouse with phone carriers.

You may be right that listings with dollar amounts in the descriptions are being flagged. 

At the end of the day, these carriers are insuring based on risk profile and they are carefully reviewing real time data that tells them whether its a market they want exposure in and how to price that exposure. 

Your post in the other forum was flagged and was grabby.

In my opinion, this is much more effective than texting, which often feels like a constant game of cat and mouse with phone carriers.

I also call the local court system to see if anything is flagged on file. 

Insurance premium determinations  are more localized where the carriers price perceived risks into their desire to have market exposure (if at all) and how to price that exposure. 

It's definitely an outside-the-box idea to transfer the property to an LLC before applying for the HELOC.If you move the property to an LLC, lenders might see the transfer as a red flag.

Also keep in mind that with some carriers, loss of rents/income is an "optional" coverage that must be elected, while others automatically provide this coverage within their policies.