When I went to see what was wrong, it turns out that she tried having the heat on in one room and the AC on in the other which won't work since there is only one outdoor unit. 

I just use a large umbrella policy to save time, money and hassles. 

Expanding horizontally is also my ultimate goal, by integrating the construction, property management and asset management as separate companies, managed under one umbrella company.  

Seems like a lot of wasted indoor and outdoor space. 

Perhaps an umbrella policy on top of your commercial policy to cover injury accidents, falls, etc.....Good Luck!

Most of the time, you need an umbrella insurance policy.

Outdoor wiring is usually pretty beefy and not intended to be strung across a lawn (you would bury it under those conditions)Was the wiring in a location that made it venerable to yard equipment?

We wanted to add to our rental portfolio while also in need of a bigger house due to our growing family.The thing we really love about the house is the huge, well taken care of backyard that gives my family plenty of space for outdoor activities.How did you find the deal and did you or the agent need to do any negotiating?

Make sure to have a good umbrella policyRemember besides LLC costs your accountant will also charge you per LLC.

There are actually many investment lenders who require just the opposite - that you take title in an LLC to avoid homestead complications in a potential foreclosure.Second you can many times get as much liability protection from an umbrella home owners insurance policy or private liability policy as you can from any asset protection entity.