So I’ve read that unbrella insurance providers require you to use them for car and home.

Insurance market across the country is very tough, especially for older product. 

Quote from @Marc Zak: Anyone have experience on the issue of getting insurance on a property held in an LLC?

Insurance-  replacement costs.  

Unless there is an emergency situation, take a lot of photos and call your insurance agent before doing any repairs.

I live in Fl. where insurance is pretty costly but I am also investing in states where insurance seems less expensive.

Workers’ compensation insurance is mandatory if you have employees.

I found some articles and old forum posts on BP last night that discussed problems with financing and insurance for this arrangement. 

-save $1k+ in taxes and fees yearly-can use the savings to get more insurance and a higher liability than the value of house. for flipping houses in California does anyone just put into sole proprietor own name and just use the $1k+ in savings for LLC costs into Insurance or use for savingor am I just being too risky. 

I appreciate it.Once you even talk to your insurance agent about filing a claim, it gets entered into their claim adjustor's database for the whole insurance world to see, even if you decide not to file the claim.