I guess Loyd's of London is off shore :)  but Caribbean carriers not so sure.My carrier on our master inventory policy just shut off ALL of CA..

Using a Whole Life Insurance (WLI) loan avoids banks but accrues interest, potentially reducing policy benefits—compare this with other financing options like HELOC or seller financing.

.🔥 #1: Real Estate is About to Explode AgainTrump is a real estate guy—he’s going to bring back policies that favor investors.I’m calling it now: 100% Bonus Depreciation is coming back—and it’ll be retroactive.That means massive tax write-offs for real estate investors, making syndications, funds, and commercial properties even more attractive.Trump will push for more Opportunity Zones, making it easier to defer and reduce capital gains taxes by investing in real estate.Lower regulation = Easier development, faster approvals, and more investor-friendly lending.💰 What am I doing?

The damage waiver is almost like a little insurance policy for damages that exceed the deposit.

I use strict / flexible cancellation policy.

.)✅ Return all keys, garage remotes, and access cards✅ Provide a forwarding address for the security deposit refundLandlord/Property Manager Responsibilities✅ Conduct a pre-move-out inspection (optional)✅ Take photos/videos of the property’s condition✅ Verify all keys, garage remotes, and access cards are returned✅ Check for unpaid rent, utilities, or damages beyond normal wear and tear✅ Hire a cleaning service (if needed)✅ Complete repairs and maintenance (paint, flooring, appliances, HVAC, plumbing)✅ Change locks if required by state law or property policy✅ Test smoke detectors and carbon monoxide alarms✅ Review lease terms for security deposit deductions✅ Send tenant security deposit refund (minus any deductions) within the legal timeframe

The policy must provide a minimum of $[amount] in liability coverage.

Just transferring it gives you zero protection - the reason why it never comes up is because no one can name ways you get sued when you have a good insurance policy so its a mute pointSo long story short, you are wasting money transferring it to a LLC is my personal non legal non tax opinion.

Tenants must receive; signed Certificate of Rental Suitability no more than 60 days before move-in, Partners in Good Housing Pamphlet, Lead Free/Safe Cert (if built before 1978), smoking policy for multi-unit properties, Bed Bug notice as you describe above.For Pennsylvania: It's also best practice for property owners to include a lease provision that waives the Notice to Quit requirement of the PA Landlord Tenant Act.

Quote from @Scott Bloom: You can get a commercial grade policy from major carriers where they lump the risk across multiple properties into one policy, reducing your premiums.