This is something you do on your own units policy.  

Also how about your STR guest policies?

Lenders are reaching out to Fannie Mae and Freddie Mac to have the minimum increased, since this is an issue that will not go away as insurance companies raise premiums to stay profitable, and HOAs try to avoid paying higher premiums by increasing the deductibles (or sometimes they need to do both to afford a policy at all). 

- Insurance policies (some may not cover rent by room)- Friction among tenants regarding common spaces

I was just surprised that when I asked to change the policy to rental, the first thing he asked was if there was a damage after the hurricane I think a few different things are in play here. 

Insurance for our properties is a commercial (expensive) policy, in the name of the entity instead of in our own name.  

Another question: Have you noticed any change in income for the property since the policy was implemented?

The focus of government policy (regardless of how local) should be on addressing fundamental friction.

Also at closing: You should provide your lender with a lender's title insurance policy, separate from your owner's title insurance policy.

I just asked a title rep in the area and she says they wont handle a close even as a transaction coordinator unless they write a policy for it which they cant do on a manufactured home on a rented lot.