You can always carry a higher deductible and you aren't penalized for filing claims, so even if you carry 5k or the new 10k deductible and the loss is less it doesn't impact your premiums for filing it to see if you could get something. 

Can anyone give me their personal experience with the REI Guard claim process. 

You could file small claims action for up to the date you stopped marketing it..

A title report is an opinion about any claims that may be filed against the property.

But, your mortgage company will realize that you do not occupy that property as a primary residence any longer if you purchase another property and claim that one as a primary residence.

I am in a similar position and did some research then contacted my RE attorney.What I heard was that you can perform a quit claim deed and transfer the property and insurance into an LLC.The challenge is with the lender, typically lenders to a conventional loan will not allow transfer to LLC but you may want to call and ask.If they approve get it in writing so you have a legal document.If you try to perform this without informing the lender, they may call the loan.This will typically happen when they are confirming that you have insurance on the property.If they see the insurer as XYZ LLC, red flags will go off.

I did a lil research and a real agent told me that an investment group owns it and there is a quit claim on the house.

If anyone has an ownership claim on the property, the lender will want them to sign the mortgage agreement.I can't imagine too many investors being willing to sign a mortgage agreement without being on the title to the property.

They are talking about lien position... as in if the borrowers stop making payments, who gets put in first place for claims.

You will need to look at your landlord tenabtvla s as to how many days you have to make a claim.