Some of you may find this information helpful if you have assets that you want to protect from creditors and liabilities. 

2. have you noticed higher and regular exterior maintence protection (sealing/weatherproofing/termite/bug protection) or anythign?

I went with Vivint.com they have a great smart home system no wifi needed, streams on your phone in real time anywhere you are, tamper protection, security alerts and motion detectors and will notify policy if you have a break in.

Management & Leasing FeesManagement Fee: 10% of the monthly rent = $180/monthLeasing Fee (Tenant Placement): 60% of one month’s rent = $1,080 (one-time)Lease Renewal Fee: $250 per lease renewalUpfront & Annual FeesOnboarding Fee: $350 (one-time for setting up the property)Annual Administrative Fee: $45 per year (for statements and 1099s)Reserve Fund Requirement: $300 (held for maintenance and expenses)Maintenance & RepairsOrdinary Maintenance: Any repair costs exceeding $300 require owner approval.Emergency Repairs: Up to $300 without prior approval; HVAC, plumbing, and electrical repairs can go up to $500 without approval.Home Warranty Claim Handling: $40 per claim (if applicable).Multiple Quotes Request Fee: $100 per request if you require multiple vendor quotes.HVAC Filter Supply Fee: $195 per year per HVAC unit.Repairs & Improvements: 10% markup over vendor invoice cost.Additional FeesInterest on Unpaid Sums: 10% late fee with a $39 minimum per month.Paper Check Administrative Fee: $20 per check if not using direct deposit.Insurance Documentation Penalty: $40 per month if proof of insurance is not provided.Eviction Protection Program (Optional): $15/monthProperty Damage Protection Program (Optional): $25/monthTermination FeesEarly Termination Fee: Equal to the management fees for the remaining lease term.Vacant Property Termination Fee: $500 if no tenant is in place.Transfer to Another Manager: $500 file transfer fee.

I’m wondering how I can protect myself if they somehow rack up the bills/ abuse the policy. 

Hello, My name is Homer Wanamaker with Bay Hill Environmental.

I purchased a 3 family in Newark NJ in March of this year, and am curious about looking into this form of insurance as a way to further protect myself. 

Although I have a high income my assets are not immense and the insurance is protection against future earnings/STR  I will probably buy a primary home in next 5 years but happy for now where I am.  

As a cross-border investor, I'm likely going to need advice on entity structure to protect my liability while also not being double-taxed, I'm going to need to network with experienced investors/property managers/agents in the Cleveland area.

Federal Laws Prohibit Discrimination of 7 Protected Classes, Massachusetts has added 8 more:-02.Always know more of the Rules/Laws/Regulations than ANY Tenant.