You might be able to find some kind of insurance policy that will pay off the seller if you cannot pay at some future point to avoid her having to foreclose on you, but you'd need to find some clever folks to figure out how to set that up.

It really all depends on your insurance policy. 

It is their risk and their internal policy, not the state of Texas or the county that you are in. 

The states that have liberal policies such as California, with our high taxes and regulation are losing business and going bankrupt.

If the biz has clientele coming to the property, you will want them to add you as an "Additional Insured" on to their business policy.   

If you're thinking about asset protection, a good insurance policy will give you the same protection as an LLC.

And I have learned a lot of safety and best practices from that site over the last 11 years... on that site I am the student.. some really experienced pilots and owners.. it has made me much safer and educated pilot and owner...

Let the neighbors know you value the community and have high standards, so you would welcome a call if they see or hear of anything problematic.In preparing a property, we focus on safety items first.

The link appears to be more of a home warrenty instead of an actual insurance policy. 

Usually the HOA pays for a master insurance policy, so my individual policy is very inexpensive.