@Elliott Back 100% his autoInsurance is the policy that would cover this type of claim.If his auto insurance company determines you were negligent with the care of the tree, you would then file it under your landlord policy.

I just have a liability concern and want to require the tenants to have their own policy.

We purchased a second property and shopped around until we found a different company with better rates and a better policy.

This new policy would have been better received if I didn't have a bit over a week to figure it all out.

Maybe some liability risk avoidance but you can mitigate that with an umbrella policy (which you should have anyway).On the flip side, if this is in your personal name you can avoid capital gains taxes, get more favorable mortgage terms, and avoid the added transaction costs associated with the transfer.

Simple wear and tear is not normally covered in a policy.

And they have a 100% refund policy.

They might find out if your seller discontinues his insurance policy and you have to start a new one that has your name on it.  

So fingers crossed that this one turns out to be worth our while.I've been discussing landlord insurance with my agent, and he presented us a policy with Foremost.

The municipality typically performs a Use & Occupancy inspection (or a similar name) that primarily looks for safety items and verifies proper operation of major features.