I cancelled the regular home owner insurance around June, to purchased a new policy that is rental insurance (mostly, it's a fire insurance).So there is 2 policies that needs to be pro-rated  (home owner,  and rental policy).    

Rates are going up and the hawks at the fed are starting to beat back the doves after about 6 years of post-crash loosening monetary policy. 

I thought that the banks had policies of not selling the house directly after the auction, they say they always list with an agent.

It's also a good idea to have a rock solid insurance policy.

A few days ago I read a very interesting post about simple rules to follow with tenants and one was to have  A POLICY where tenants can refer to when thy need something.

I told them this is my legal means to do this for safety, etc.

The lawyer guru's that push LLC's for rentals never tell you that little bit of information and since lawyers are the ones that make money off of setting up LLC's they want you to get a bunch of them.Consider umbrella liability insurance policies to cover your personal assets, etc. 

For example I could have a LLC which covers multiple properties and I have yearly fees for this LLC or a single umbrella policy which covers all properties or subscription to sites like Biggerpockets.3.

This is neither of those cases...I just don't get how they will issue the policy...and if 5 years down the line if there is an issue, will that policy actually pay out.

So do you suggest moving my properties under a LLC or maybe just get an umbrella policy?