I've handed off my LTR to a separate PM and they want to be named on a general public insurance policy for the unit, but truth be told, I feel like I need a solid umbrella policy to cover the MTR and any claims against myself and husband as the owners of the property.

Quote from @TJ Dittmar: Covering the mortgage isn't sufficient.

Quote from @Tony Cook: I'm a reporter at the Indianapolis Star who has covered the Clayton Morris and Bert Whalen saga over the years.

- Guest Insurance – Do you require guests to carry their own insurance, or do you use a service like Safely, Proper Insurance, or another option to cover damages?

I was looking into unsecured personal loans but they only cover about 50-100k for 1 year duration.  

So the value add is really just covering ground, not adding ground. 

Would you:1) Come out of pocket to cover the upgrade?

It’s important to set a cleaning fee that covers the actual cost of cleaning.

You are correct they handle by PM company liability I have prudential personal liability.OK, yeah, and they (Coterie) doesn't offer commercial umbrella insurance (or personal) so I was concerned you might not be covered correctly.You have a personal liability umbrella through Prudential?  

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.