One trick I've used in the past is simply stating that your land lording policies will cover anything over XX dollars, say $50 or whatever you think is fair.  

For example, if you wanted to now implement a no-pet policy, assuming the resident doesn't already have a pet, now would be the time to implement that.

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

If you're purchasing a title policy the title company will probably issue a title commitment setting out who they believe is necessary to covey insurable title. 

While that warning was short, it still provided more than enough time for the tenant to remove the line or provide you with warning about the line.Let them file a claim with their renters and car insurance policies and let them decide who pays.

My commercial brokers will not write policies at actual cash value for me.

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

My concern was that they could take action once notified by my insurance company that the policy was switched to a rental property.

It will be up to your lender's policy whether they can do this or not.The 20% and amortized for 25 years seems very favorable.  

(some safety...)What do yo think of the overall situation.ThanksSam