This situation is risky, but you can mitigate it by requiring a higher deposit or paying them several months in advance.My policy is that they must show at least three months of employment.

MONEY, economic policy, THAT is how it's done and evidence is today and yesterday because it's coming true as we live it now..... 

Does anyone know of an online insurer that will write specified actual value policies that would allow me to choose the actual value that is adequate for my program?

People could be paying into these wildly expensive policies and then never get any of the necessary funds once a disaster does hit. 

I then learned I'm ineligible per their policy....Rental or for-sale properties such as vacation homes, model homes, or vacant apartments.

Your primary insurance policy with $300,000 in liability coverage should be sufficient in 99.999% of all lawsuits.5.

Just curious everyones thoughts on using an umbrella policy vs an LLC especially with an expanding portfolio?

So what stste law allows them to charge the fee, is there any way to use state law to change city policy?

Fully insuring you properties and adding a umbrella liability policy will probably cover you 99% of the time8.

Your primary insurance policy with $300,000 in liability coverage should be sufficient in 99.999% of all lawsuits.5.