Just made an offer on one earlier in the month but it fell through so I may hold off until later in the year / early next year to catch the beginning of prime season vs mid season. 

The HOA offers enough protection for the unit itself and Airbnb claims to offer $1m liability protection.

When they offered cost savings, their suggestions included using wood siding instead of Hardie, and to use hollow core doors instead of solid core doors.

Gues this is legal if they are sending monthly statements that an owner (or their tax professional) can piece together.Regarding mistakes, not aware of any company in the world that is perfect and doesn't make mistakes.

  - Optimally, a national lender able to offer financing in multiple markets or States. - Seasoned with proven track record and positive reviews of performance.- Dependable, trustworthy and professional. - Weekends are workdays. 

I understand there's more legal ramifications in doing so (LLC creation?).

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!

One thing that Cape Coral does offer over the others though is that being a much larger market, inventory will be more diverse, so you might have better luck finding a specific property type and price point.

What companies offer multi-family insurance coverage?

I agree it might be best to avoid being overly confrontational about their situation, but instead offering what you might be able to help them with.I worry calling 500 people in a week might not be the most efficient way to do this.