Do note that E&O policies typically will not cover you on your own deals.

Based on FHA, if she's claiming the dog as an ESA you must allow the dog, even if you have a no-pet policy, and you can’t charge extra pet rent, pet fee, or pet deposit.

Since LIBOR is an international index I would choose FHLB rate since it would most likely match Americas Macroeconomic Policy/Condition.

Just get yourself an umbrella policy when you get to 10 or so doors. 

If you're in a C-Class investment with no experience as a landlord and no reserve set aside to deal with disasters, I would tell you to buckle in and strengthen your position by building a reserve, educating yourself on landlord tenant law, building policies and procedures 4 difficult situations, etc.

Most policies contain a minimum of $100k personal liability coverage.

The policy was started almost a month ago, and honestly, it was the best quote I received. 

What is the last insurance policy you bought on a stock in your portfolio?

I primarily use Foremost "vacant under renovation" policies, and as far as I know they do not allow pools due to the obvious liabilities.  

My point is that insurance premiums for those that pay for their own policies will start to effect people's DTI, no different from credit card debt.