You need a good policy that is from a reputable company. 

Thanks,Ps- How do I handle an insurance policy if Im buying the home with my LLC, via a land trust.. ?

Best to get your policies and procedures in order, so that even if you end up eating the cost on this door that will never happen again.I hope this helps.

Don't let your personal political beliefs(libertarian, live and let live, etc) get in the way of good managerial policy.

That said, I used to work as a real estate lobbyist -- one thing I've learned over my years, is that building departments often make up rules along the way and often are inconsistent in their rules (one inspector says this, another says that) -- if something sounds absurd, politely let them know you want to better understand the policy, and ask them to point out where its been adopted by the village board/city council -- sometimes you'll discover that the building department staff just made up the rule without any authority to do so.

A few comment,*If you are using an insured contractor, you could try and file a claim under their General Liability policy, but it sounds like you are doing the wok yourself?

If you are depositing these checks into your personal bank account, then yes, that's not going to work: You'll need to have a business account.For the record, it's amazing how all of these "company policies" seem not to apply when you deposit the check via ATM.

I would make sure you are able to get coverage, what the cost is, and how that coverage compares with a standard policy.

I’ve seen others post the expect to pay around $500 for an annual policy.

Contacting organizations and getting a contract / lease signed for them to use the house, who pays utilities, would I need more than just my standard $1M in liability and my personal $2M umbrella policies that I use on my other rentals, how the amount of rent would be calculated, the going rates in the area you are in?...