On that note there is a very real reason that none of our domestic insurance companies (Allstate, State Farm, Geico, Progressive, on and on) will cover flooding - this is because they know that any property (and I do mean any property) has a 20% of flooding so they don't want to cover it and it is excluded in the policy language (under exclusions).

Hi @Sean AutryYes some of my expenses would be different from normal rentals but I have them broken down and you could exclude all electric, gas, internet, TV, and furnishing costs and they would come out pretty much the same.

Again these are prime areas that would exclude most of OC, LA etc.

The only category they leave out is roommates, so you could argue that group was specifically excluded from protection.

I wouldn’t exclude it as a criteria for a SFR, but just calculate it in and use as negotiation tool.

There are some that will provide coverage with Animal Liability excluded which would be extremely bad for you if there was a claim.Regardless of who's realy at fault the incident is, they will look to make it the fault of the person (you) with the deepest pockets.

I am also new to real estate, currently in the terms market dealing with the 80% of buyers pool that traditional loans exclude.

@Jet ParaderoYou may not need to move back in if you kept it as a personal residence from the time you purchased it(December 2015) and the date that you turned it into a rental(June 2018).Excluding gain on $540,000 - $333,0000 is a lot.At the federal level, you would likely be saving $30,000 in tax.

As far as the matter being excluded from coverage, the Court in the Florida decision FIRST AMERICAN TITLE INS.

(This excludes duplexes.)There are a few permissible reasons you can still do a "no fault" eviction, but they're very limited (i.e. owner intends to occupy the unit, withdrawal of the property from the rental market, you intend to demolish or substantially remodel the property, etc).Here's a link with some more info that you might find helpful: https://cal-rha.org/legislative/ab-1482/