They also cover my primary, autos abs and umbrella.

oh, I have an additional umbrella policy, forgot to mention. ty for reminding. 

My Fire/Dwelling policy covers the rebuild cost of $193K, $2K in personal Property, and $100K liability (seperate $1M umbrella) for a yearly premium of $1750.

Finally I connected with a commercial insurance broker and got a policy to cover the entire portfolio and the cost came back to $400 per unit with much higher coverage limits and including umbrella.

They paid out in 5 days.Plus I have a great STR policy and umbrella to cover anything else and I have the guests post a $500 damage deposit.

If I were to do a quit claim deed, could I transfer those properties into an llc and remove the residential home owners insurance and maybe get like landlord insurance or umbrella insurance.

.* own all the homes in our name- we own all the houses in our personal name with jut an umbrella as LLC's didn't work when we tried it.* I leverage the houses as much as possible but than I don't refinance my returns out- we buy distressed property that a few cheap fixes adds considerable value.

Regarding lawsuits, I will have to secure myself under an umbrella insurance policy.

I have heard whispers of utilizing a corporate umbrella, or a private REIT, and will begin researching the subjects further.Any advice would be greatly appreciated!

We got rid of the LLC and just got an umbrella policy.