Get a solid Umbrella policy and make sure to revise your current homeowner's insurance policy to a landlord policy.

@Maria M. there are some other insurance carriers we have used for Liability only in FL. 

Inland Marine (this is for tools and materials being transferred between sites.Also, always be sure to get the certificates of insurance with your LLC named as an Additional Insured.

Do you mean a trusted advisor agent at State Farm insurance?

@Joseph RhyneI would search for an independent insurance agent in your area.

Specifically, homeowners who have lived in their properties for many years may find themselves financially disincentivized from selling due to the tax implications of their appreciated home values.Consider the following example: A homeowner purchased a house 20 years ago for $250,000.

The insurance ended up non-renewing our policy because of the "claim," and most other insurers wouldn't cover our home because of the claim. 

Also, at this time I had seen properties selling for 10 – 20% over ask regularly.Interest Rate 30 year conventional 7%Homeowners Insurance = $1,000 annuallyRents = $1,800 per monthWhen I looked at those assumptions, I would need to put down $80,000 on this house to get it to hit my cashflow goal of $500 minimum per month which equates to 35% down.Total mortgage + escrow = $1,267.13 per month with rents at $1,800 my monthly cashflow is $532.87.From my experience, after taking out vacancy and maintenance costs you are left with around 73% of that total cashflow number once the rental is established.People have asked why a $500 per month cashflow goal.

Buildings are the same age.Is it possible that the insurance brokers advises the insurance companies to do those inspections?

...and don't forget to collect a W9 right away and a copy of their insurance!