Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

Our tenants pay $2,700 in rent and the mortgage+fees comes out to $2,360.

I currently live in a 1000 sqft home that we pay a mortgage on.

So my insurance was paying $6200 a month for "barely" furnished 2-2 apartment new the Arboretum. 

Is it worth to pay that much for 1:1 coaching for 6 months and a laid-out course? 

It's pretty common practice to have something like that in a property management agreement, and if it falls under that limit they're going to pay it and not notify the owner except in regular monthly updates because it is below the threshold of what is an ordinary expense in the course of business.

I have a followup question - I will realize a lot of capital gain from this home in Idaho, so I think unless I purchase a new primary residence I will have to pay that capital gains tax. 

Finding tenants to pay your bills is the hard part.

Co-living isn’t just an alternative to traditional rentals—it’s a way to maximize cash flow, lower risk, and attract investors.To make this post more insightful, I’ve included graphs and visuals that break down the key benefits of co-living and why serious investors should be paying attention.1.

You pay on those gains. 2.