Home Depot, for example, has a very liberal return policy. 

I was trying to figure out if I should be aiming higher.

taxes and legal protection 2 separate things. the judge will ask : well show me that your LLC is not your alter ego but a legal entity separate from you.ok here it is : separate bank account, all properties are deeded under LLC, utilities under LLC, all contractor checks written on LLC, ADT set up under LLC, insurance policies under LLC. never comingled any personal funds with those that belong to your LLC etc etc..I simply acted as a manager of my LLC. so worst come to worst ...all your assets under your name should not be exposed of course, you personally will be named in any lawsuit that involved your LLC ...keeping your record straight will help judge to decide if indeed your LLC is a separate entityI have to run this by my CPA--> not sure CPA would risk his license explaining anything...this job belongs to asset protection/planning attorney. 

Title insurance is an insurance policy guarantying ownership and disclosure of all liens or interests. 

If you are not aimed at families either school kids you are much better off.

From a legal standpoint, please check into whether or not your insurance policy would cover her, in case she were to get injured. 

You can go to your local insurance agent and buy an umbrella policy fairly cheap that will cover you until you get a portfolio large enough to warrant the protection of the LLC. 

As long as the seller understands what you are aiming to do, you should be good.  

@Cory Elder ,I would just get a good Liability insurance policy.

So our policy is that they must come into the office between the hours of 8:30 am-3 pm.