Quote from @Carl Rowles: When you insure a SFH rental property, do you try to adjust and of the coverage amounts?

I have recently switched my insurance from home owners to landlord policy.

It’s time to look into home owners/rental insurance.

I generally prefer higher since I don’t plan on putting in small claims, it’s basically just for catastrophic loses and the savings in premiums over multpiple properties for multiple years should balance that out if I have ever have to use the insurance.

Hi Carlos,I am in Madison, WI and we shopped around a lot when moving a few years ago and used Neckerman Agency (now McClone) who are insurance brokers. 

Hey BP,I know this question has been asked often, but I've been struggling trying to find an investor-friendly insurance company.

What kind of insurance do you carry? 

I just learned that builders risk and liability insurance coverage can cease once a CO is issued for a new build.

The "due on sale" clause (DoSC) obligates the seller to notify the lender if the property is sold.Failing to do so would place the seller in violation of this agreement, giving the lender the right to accelerate the loan.But no laws are being broken here.So, subto is neither legal nor illegal.Second, it only works because most lenders are more interested in receiving payments than in invoking the DoSC clause and foreclosing on the property.But, it can work, provided seller and buyer are both on board and the proper process is followed.

BUT, for a mortgage the party making the payments has to be obligated on the debt.