For tenant/general home liability, an umbrella policy will be your best line of defense.

Rambling about prosecution means nothing to me, that's what defense attorneys are for...

I'm happy to report; I have closed on my 1st and 2nd investment properties (Buy and Hold SFHs) within 2 months of each other after 2 years of reading books, going on BP, watching Youtube videos, attending Webinars, listening to Podcasts, and attending Meetups/Conferences.

J Scott,I can see how my post could be portrayed as a defense of gun ownership...That is not my point.

Annual E&O is $200, there is a small monthly fee to tap into their ZipForms system (zero paper system), but that is all you pay to the broker, and they provide a conference room that you can use when you like, a marketing dept that will assist you as needed, and a nice "virtual office" web environment.There is another local agency that is $300/month flat fee, and you keep 100%.

At a conference presentation, from the man himself, in 2001.

The defendant in that action shall be entitled to attorney's fees and all costs incurred in the defense against the action, provided the defendant is the prevailing party.

I could argue that I answer lots of questions with in-depth responses, have done a podcast, a book launch interview, flew to Denver paying my own transportation and hotel expenses and spoke for 3 hours at the conference (not to mention the time involved in preparation), and have almost 2,000 posts with just as many votes, and answer several emails a week from other members - all at my expense.

Many who have come to the defense of charging for the comp service are agents so one could argue that opinion is bias.

I ended up doing some coaching after the Denver conference because my phone started ringing off the hook and I saw an opportunity to expand to other areas...even out of state.Basically, my model works like this: engage me to do your marketing for you, and the coaching comes included.