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

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). 

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

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

Gov. mandates, laws, regulations, these are tools to control WHAT the product/service is, think safety focused. mandating no lead in toys, or fall-arrest gear for roofers, things like that, THAT is where it works. 

I'm no expert, but I know several people who have had loans called due on sub to deals because of the way they structured their insuance policy.

Ski Leases: Looking at the short term rental policies it does not cover leases longer than 30 days, seeing as there is a market for this type of rental what are peoples experience with this for ~4 month terms, and has it worked for summer leases as well.?

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.

Also how about your STR guest policies?

So if I’m understanding what I’m reading on 1033’s - house has mortgage of $350k and insurance policy is for $750k- leaving proceeds of $400k.