I suspect I spend more for the umbrella policy than virtually everyone.  

If you just hire the cheapest or first PMC you speak with and it turns into a bad experience, please don’t assume ALL PMC’s are bad and start trashing PMC’s in general.

If you talked to attorneys, why aren't you hiring them and following their advice? 

I have known and worked with Matt for years.I have attended his training and hired him as a consultant.He is hands down the best at what he does.I have personally raised over $50 million for my hard money lending company.I am grateful for a lot of people who helping me with this success and Matt is at or near the top of that list.

It’s good to budget for unforeseen expenses.Regarding PMI, it’s worth discussing directly with your loan servicer since many lenders require holding the property for a period or reaching specific equity thresholds before removal.If market rents are $2,200–$2,500, hiring a property manager could help you optimize rent while taking the burden of tenant screening off your plate.

Next you want to hire a realtor.

@Daniel MadhavapallilYou should hire a tax professional. 

@Alexandra Cernasov You might want to check Martindale's peer reviews of Aaron Thalwitzer, Esq before you hire him from Cocoa Beach to handle a case in Marion County. https://www.martindale.com/organization/gordon-thalwitzer-at...   

And in my opinion both have their pros and cons and neither is superior to the other (and that's why I have both in my portfolio).Passive investments can be structured in virtually any way and usually they pass on the exact same tax benefits as direct (at least from the ones that I consider to be "acceptable").

I suspect they know what they are doing and you'll know what you are getting by hiring them.