The insurance company will send you notices if the policy goes unpaid or she attempts to change it and lower the coverage.

Also something to consider with the insurance, while occupying the residence you will have a home owners insurance policy, when you move out and have it as a full time rental you will need to switch this into a landlord insurance policy which could end up costing you more money and with these numbers in just doesn't seem there is enough room even with the rents raised up to $850/ side.

I filed a claim against the Title Ins policy but was denied.

I am going with a no pet policy so would eventually like to get her out but at least she pays on time all the time.

Blanket policy?

And I opened a $2 million umbrella policy for myself personally.

Darren's response said that site policy states that asking for lenders is soliciting but it looks to me much like the myriad of posts that I see for people asking for contractors, lawyers, title companies, etc.  

I write property and casualty insurance in the area and a lot of the policies are for real estate investors and contractors.  

Plus, huge insurance policies.

You can get a build your own policy across state lines no problem.