The main coverage definitely included the AC but it was shocking to receive this notice.

To me, college is the best comprehensive program for you to become an expert in a topic.

I cannot go through a cash-out refinance as our debt-service coverage wouldn't meet the banks terms, but I do want to grab about 15k of the equity out in some way.

For the more experienced note/CFD investors out there...just curious how you determine how much FPI coverage to place on each asset.

Liberty offered me 3 separate landlord personal policies, each with their individual liability and coverage.

@John Warren and @Jonathan Klemm, thanks for the input--that's the advice I got when we originally purchased and it made sense to me, but then I've talked to a handful of people lately who have said we were insane to do anything other than an LLC for liability coverage.

For commercial banks that's typically a Debt Service Coverage Ratio (DSCR) greater than 1.25.

It's actually coverage for the owner.  

It sounds like it could save us a ton, but I'm concerned about the "unnamed" risks that I may be signing up for unwittingly.For reference, we would go with the most comprehensive policy specifically because it covers theft and leaks from plumbing.

dont know about San Deigo but here in Oregon and i suspect there to.. the title companies send out stats each weekbased on Zip codes and property types.. very comprehensive and free.