What type of unit configuration is more stable for an investor in an apartment complex.

My accountant told me I do not need to create all these entities just need to have good insurance for each rental.

It is NOT a substitute for insurance.

It's a low crime area already but it's extra insurance we like anyway.

Insurance?

When you have insurance/liability questions about your personal portfolio pre/post investment property purchase, I would be happy to help you!

I’m an insurance broker who works in all 50 states and I see far too often people, and RE investors especially, do not have their liability separated out correctly to mitigate their personal risk..Over and over I get the same types of questions when insuring a portfolio (of any size) from people who do notnfIlly understand the lIabIlIty they are exposed to..What questIons do you often have about where your liability extends to or what you’re exposed to?

They need to call the police and their insurance company.

A contractor’s insurance doesn’t pay for any of this. 

what happens if the buyer destroys or contaminates the property or uses it as collateral or doesn't pay the insurance etcCan I ask for other collateral?