Then all the other websites post the listing for you, Zillow/Redfin/realtor etc etc. it's a FSBO but you pay for the exposure.

It could be that you aren't getting the exposure that you need (bad choice of real estate agent).

It really is a transfer of the exposure.

Although the amount of risk for a particular opportunity doesn't change, one's percentage of exposure to that risk does lessen with group participation.

Majority of the purchases (again this is my market) are under 400k leaving no exposure to the new law.

In my experience, reading the fine print they all basically say that that won't pay claims on any exposure that you could/should have had a policy for.

But there is lots that investors can do to reduce their costs - and their ultimate exposure.  

Market exposure and vacancy rates on a rental property can put a major dent in my plans.

If your personal name is on the loan or if the LLC is single member I understand you carry some personal litigation exposure.

I often break it down into the "five pillars" of protecting your assets.1st pillar is avoiding unnecessary and risky activities (don't drink and drive, insurance generally won’t cover your poor decisions) and take good care of your investments - these simple steps will help you prevent lawsuits before they even occur.2nd pillar is a good insurance policy as that cover the majority of your exposure.