I contacted Provident many weeks ago but the loan servicer won't let me apply for continued forbearance until after the first forbearance lapses on Sept 30.   

I contacted Provident many weeks ago but the loan servicer won't let me apply for continued forbearance until after the first forbearance lapses on Sept 30.   

I feel shame in the Masters degree (MSW) I don't currently use (and the license I recently let purposefully lapse).

If not, let it lapse and let those restrictions go.My $0.02 ...

We would also have a separate umbrella policy to cover Landlord liability, and we always require proof of Renter's Insurance with our name on the policy (so we're notified if the policy lapses).

We help tenants who pay on time and take care of our property and have come into some tough momentary luck.

I think the ratio of losses on properties that have lapsed insurance is way higher than those with continuous coverage.  

I allow the lease lapse to a month to month after the first year because of my personal experiences.

Whether it be for non payment, lapse of time, nuissance, etc.

Have your tenant get a rental insurance policy naming you as an 'additional interest' that way the insurance company will notify you if the insurance lapses.