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

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?

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.

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

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

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

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

Did y'all get the VRBO email on their new Host Communication policy and with it, sale of property?  

@Raul Mena There’s really no need for an LLC at this time, but landlord insurance and/or an umbrella insurance policy may be a good idea to give you extra protection because of those other people living in your home.