Add in average cost of defense plus the likely payout on injuries and if that is higher than your policy limit the company is going to pay out to the limit of your policy and walk.

I would immediately talk to a very good criminal defense attorney and get some advice. 

@Cory Griffin I would get some defense going on the home budget and start stacking that 20% as fast as you can.. what gets measured gets accomplished.....

But you'd have a good defense with the argument that the title was only changed to reflect actual long term ownership.2.

In the event of an incident your defense and settlement costs would be covered up to the policy limit. 

@Robert Dais in defense of the PM, some tenants do their best at trying to not work with you on showing to prospects.

To her defense, I had just spent 120k on a building that had been vacant for 30 years.

The computation of the percentage allocation or split is generally done by using square footage, acreage, or some other methodology that is defensible should you be audited. 

In its defense, the system is over 30+ years in age and can be replaced but it is not necessary according to the electrician.

In their defense I will say that they do know what they are talking about, though very stingy on giving out any real information and anyone that wants to spend big dollars for a one stop shop then they are it.