The other benefit of an umbrella policy is that the policy will cover most if not all legal fees associated with a lawsuit.

Split between the lie down and die approach where the belief is when a tenant stops paying you give up and the alternate approach of file for collection but do not ever expect to see any money.I am so glad that neither of these attitudes are part of my business policies.

Does anyone have a written late policy that they use?

My local State Farm office issued a policy for my rental condo.

For example, we currently have our properties under one BOP Insurance policy but I'm not sure if that is allowed under LLC's because we get one bill for all properties and I know you aren't supposed to co-mingle funds under LLC's but I'm not sure all the ins and outs of that.  

A study completed by Firepaw org shows that having tenants in your property can actually increase your revenue.Unfortunately everyday more landlords are learning that canine liability is no longer covered under current insurance policies.

Yes, you would need what many insurance agencies call landlord policy.

What originally was a research paper for the insurance policy has become a standalone canine liability policy which can be purchased on line in about 15 minutes or less. 

Im not saying aim lower at all.

Our H1B status is also a little riskier because of Trump's policies regarding work VISAs.Ideally, when I do get my green card, I will set up my LLC.