@Ahmad D. and @Larry Morehouse1) If you have a residential residential property, then you want a Landlord specific insurance policy.  

The owners and managers also allegedly implemented an unreasonably restrictive two-person-per-bedroom occupancy policy at two rental properties.

Because my policy expires in August and they are making it match.OMG !!!

In some ways I think being local feels like a safety fall back, but in reality anything that comes up locally I also have contractors that can handle emergencies. 

Part 1 of 5: What is a Deductible Buy-Down ProgramDeductible Buy-Down programs are insurance policies a business/real estate investor can implement in their protection plan to lower the amount of deductible they have to pay when there is a claim made.These are policies which are in addition to the normal coverage plan (property, liability, auto, umbrella, cyber, etc.)Part 2 of 5: How Buy-Down Programs WorkThey are one of many ways a person/business can implement alternative insurance protection.Buy-Downs are added to protection plans to lower out of pocket expenses for the insured at the time of loss (a claim)Example of how a Buy-Down program works:You have a commercial property portfolio.Its insurance policy has a deductible and a premium.

However most of the major financial institutions tell me that their internal policy for multifamily home loans is 25% down or 20% down regardless of credit history or loan type (my credit history is excellent and i have no debt).

It can get up to 15%+ combining the home and auto and other policies.

I hope you have strict cancellation policy with all your listing sites.

The insurance companies pass the cost on to the policy holder and we end up paying for the dam lawyers.

If the answer is no they won’t touch it unless the landlord has not provided the necessary services (ability to heat to 60,  water services, door is able to be secured, no safety violations).Housing folks up here will not defend a bad tenant because they don’t want landlords to why fis on their clients.