allegedly.

@Brayden JohnsonYou might try reading this:  https://www.biggerpockets.com/...A lLegal entities such as LLC's provide limited liability protection. 

House "love letters" are falling out of favor of late due to discrimination allegations(1), in this case the letter is necessary to overcome systemic Realtor discrimination against military veterans (see: Realtor comments in this very thread) attempting to use the military benefits they have earned.

I just did it on the advice of lawyers to add extra protection (alleged).

The owner below may have sole responsibility for the repairs (so long as you weren’t negligent) even if the alleged damages originated from your unit.

The homeowners handyman allegedly covered up the mold in the walls caused by an AC condensation leak.

Lastly, I did come across a property listing where seller is looking to get out of a partially completed remodel and sell the property AS-IS, allegedly the property is $90k away from being completed. 

Tenant allegedly asks if they could paint the living room.

Presumably, the fan wouldn't be circulating air around anyway (if that's even a risk) as the thermostat is allegedly broken.

(Not giving legal advice I'm an insurance agent not an attorney) If you are sued and they allege negligence on your part they can pierce the LLC protection anyway is my understanding but you have to ask your attorney about that part.My bigger worry is in a claim situation with you having a policy in your personal name but the legal ownership in an LLC is the potential for the claim to be denied (at first) for not having insurable interest - you could fight thru to show you are the owner of the LLC thus the property owner and have an "insurable interest" entitling you to coverage BUT... do you really want to jump thru those hoops if the house burns down?