Things had been getting better, but just this last week, we had two more challenges come up.Turns out, even though Flipkey had approval to transfer the funds at closing, per their policy, they still sit on the booking funds until 24 hours after the guest arrives.  

also possibly commercial policy that I can insure multiple houses in?

Now compare the cost of a $1M liability policy with the cost of setting up and maintaining an LLC and decide which is right for you. 

I seem to have read a couple of years ago about some insurance company providing a policy for ALL of your rentals, no matter where they are located. 

Additionally, you can require the borrower to put you on their insurance policy for the property - and could require a copy of insurance with this addition prior to you giving any funds.

If it costs you more, that's part of doing business and you'll hopefully learn to screen better and create stronger policies and procedures to handle problem tenants in the future.

The home is in my name and while we have liability insurance on the home as well as a personal umbrella policy, I wanted require that in order for a tenant to have dog, that they would need to have renter's insurance with animal related liability coverage.

Obviously, you should still make sure the agent you chose has the knowledge of the Insurance Carrier and the Coverage you need to properly service the policies and advise you. 

A good insurance policy is all you need, and probably cheaper.

You will pay the appraiser directly and will receive a copy of the completed appraisal.6)Get an insurance policy with a mortgagee clause and a start date the same as closing.