And of those most defensive, I often found, have limited or no experience outside CA but are quick to make claims of what rest of country/world is like vs CA. 

It sucks for us LLs, because if the tenant is poor, LL won't go to small claims to get award, too, and then there's eventually no record.

My lender suggested moving a multi-family from my personal name to an LLC immediately post-closing via quit claim deed.

I look at all these LinkedIn profiles and about 2 million people claim the title of “visionary”.  

I handle hundreds of insurance claims, resident compensation, crime, and pricing… so I am very familiar with the system and reasons behind policies. 

Quote from @Jim Bryant: So, here's how it turned out:He showed up completely unprepared to back up any of his claims. 

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.

looking to do a quit claim deed .

That’s a bold claim to make ON the forum run by his publisher.

Years ago we didn't require it and just recommended it to the tenant, but it's so cheap and gives our insurer something/someone to abrogate against should we have to make a claim that we don't allow it to be optional anymore.