When I partnered with friends on a multi-unit property a few years ago, we chose individual umbrella polcies from our personal providers.

My building is averaging about 20k per unit.

Like deferred maintenance, (bad roof, worn out water heater/AC Unit, warped flooring, water damage) etc, unpaid utilities,  unpaid taxes, a second loan, unpaid HOA fees, a bad pool, bad reputation, sometimes squatters, sometimes they were drug houses, and so on.

Because looking at the T12 from a 100 units will be different from 20 units will be different from 5 units in some of the line items (account names).

You will definitely need to underprice the unit until you get some reviews. 

I am looking to purchase around a 150k unit.

@Pat Aboukhaled I would ULS (unit lot segment) the primary house and include a clause in the call option that would prevent them acquiring the DADU.

She just seems to be well versed with dealing with section 8 tenants, which is huge in this area of the United States.She has already sent me the address of the potential investment property.

This will also help them last longer together as a pair in each unit.

I have 30 units across 15 properties between northern Indiana and Indianapolis.