If it makes you feel any better - Sewer & Drain backup is probably one of the top 3 most frequent claims made and a surprisingly (to me) large number of people choose not to have it on their policy.

The occasional 1.7% pops up as well, but certainly much less frequently than when I purchased my 4 family back in 2016.

I felt annoyed.Additional Question 1: Describe your happinessI do not feel happier or more cheerful than usual.I occasionally feel happier or more cheerful than usual.I often feel happier or more cheerful than usual.I feel happier or more cheerful than usual most of the time.I feel happier of more cheerful than usual all of the time.Additional Question 2: Describe your confidence levelI do not feel more self-confident than usual.I occasionally feel more self-confident than usual.I often feel more self-confident than usual.I frequently feel more self-confident than usual.I feel extremely self-confident all of the time.Additional Question 3:Describe your sleeping patternsI do not need less sleep than usual.I occasionally need less sleep than usual.I often need less sleep than usual.I frequently need less sleep than usual.I can go all day and all night without any sleep and still not feel tired.Additional Question 4: Describe your social skillsI do not talk more than usual.I occasionally talk more than usual.I often talk more than usual.I frequently talk more than usual.I talk constantly and cannot be interrupted.Additional Question 5: Describe your activity levelsI have not been more active (either socially, sexually, at work, home, or school) than usual.I have occasionally been more active than usual.I have often been more active than usual.I have frequently been more active than usual.I am constantly more active or on the go all the time.Additional Question 6: For Travel Letters - How will your pet be traveling with you?

Frequently the managers and owners are the same people.

Not frequent, but it does happen. 

Motels that are frequented by troubled people.

It is frequently longer than the day I told them to be out.

I've run into a fair share of inspectors who, while well-intentioned, don't understand the issues with older houses.I'd also suggest building in a higher slop amount, as there's frequently hidden damage or other lurking problems.Good luck!

@Joshua Berube I know you are out on the left coast where it's near tropical compared to the rest of the country, but around here flat roofs on small buildings are a deterrent as the roofs are more expensive to operate (you need to shovel snow off them more frequently) and to replace.  

The purpose of an LLC is for an entity to meet the legal characteristics of a C corp and the pass-through characteristics of a partnership.