I want to create a comprehensive end to end plan with the various components and then I can "plug and play" based on the scope of the project. 

I have absolutely no need whatsoever for an LLC and am very glad I don't have one because of the expense of setting it up, the ongoing filing fees and the fact that my insurance provides far more than adequate liability coverage.

He might be asking about your fire insurance, but really interested in finding out about your liability coverage and policy limits.

You can make it mandatory for a tenant to carry renters insurance coverage that would cover their personal belongings if this did happen.3) Yeah those exist.

I need to find myself a great deal on landlord insurance, umbrella coverage and a platform to send my tenants to for renters insurance. 

Also check the Exceptions from coverage which should be found on Schedule B of the policy which might remove the coverage provided by the insuring provisions. 

@Lee BaileyTypically your title company is an agent for or direct provider of title insurance they should be able to provide “gap coverage” for this situation.

You could also put it up on Turo and have him book it there and then you get some insurance coverage through them. 

@Richard XyminiesYou can check what coverage your HOA is responsible for and compare against a standard coverage from a local provider.

. - thank you, really appreciate the tips and encouragement.What do you recommend for landlord insurance coverage (features/limits/etc.)?