I highly recommend reading "Lawyers Are Liars" by Mark Kohler.That being said, a simple LLC and an umbrella policy is what I see most people using.

I'm starting to shop around to see if I can find a comparable policy at a better price, and came across NuVantage.

You cannot own a truck full of tools, keep gas in the tank and cover the various insurance policies needed for that.

Don,Probably one of the very best suggestions is what my father always told me - get everything in writing.The idea is to have a very detailed written partnership agreement that is in effect the road map for all things to come and who is responsible for what.Be sure to have a life insurance policy on each partnerShould a partner die or becomes incapacitated, all control goes to the surviving partners and not the heirs.

Evidently another tenant in the apartment had lost the little guy, even though I had a no pet policy at the time.

You can speak to someone at auction.com and ask them what their policy is on incorrectly described items.

The bank won't turn the water on so I can see if there are any problems with the plumbing, it's their policy.

In the old days when I had an insurance agency, I sold a life insurance policy to an insurance agent in another company, so yes, you can certainly do a deal with an owner/broker-agent.

They aren't always true.And on the insurance question, if you have first-hand knowledge of illegal activities (federally speaking) and use of a property for other then which you are insured (habitation) and are allowing this explicitly, there are many policies that could attempt to deny your claim.  

Different banks may also have different policies.