She said when I bought liability insurance for my businesses through her, she always got an endorsement that covers me because litigants always go after the owners.

yes main endorsement is they are real and they fund and are competitive in pricing ..  

But operators would be limited to using no more than a quarter of their building for that purpose and might be required to provide some affordable housing units.See here for the most recent news articles on STRs in NOLA:  New Orleans City Planning Commission endorses stricter short-term rental rulesShort-term rental changes in New Orleans would require owners on-siteAnd here is the City website for more info:  https://nola.gov/short-term-rentals/

It was endorsed here on Biggerpockets.

https://www.kapre.com/resources/real-estate/just-w...https://www.inman.com/2017/03/14/5-reasons-you-sho...I'm not endorsing these companies but please read the articles regarding (pro's and) con's of having a RE license as an investor @Bryan Feltman

A well-crafted additional insured endorsement on the insurance policy would be required (researched)

The issue is the bar is exceedingly low and anyone will qualify and they know how to play the game.This is how easy to get an ESA letter online, endorsed by a licensed physician. 

A policywith a higher premium may be a better deal if it does not have a wind deductible.There are many endorsements that are available on the homeowners policy.

Good part of the story was they retired to FL, put all they money into their retirement home, protected under FL's generous homestead laws, and the litigants settled for the $1 million.I on the other hand had nuisance suits against my LLC, where I had corporate insurance, as well as for me personally via an endorsement.

I will first approach my parents asking for endorsement and talk to lenders for the downpayment requirements.