If your insurance coverage isn't enough, they could seize the LLC assets, but not your personal assets.Additional thoughts:1.

Lastly, when comparing, make sure the coverage is the same (ie.

I have no expertise regarding Houston insurance pricing; however, you might look into ACV coverage (actual cash value) versus full replacement cost. 

Just make sure you get the coverage.

@Scott Mclaren  Flood insurance is a set rate - I'm in a 500 year floodplain in the southwest suburbs of Houston and $250,000 of coverage plus I think $100,000 for contents (the max offered) is $450.

For example, a light documentation program would require less debt-to-coverage ratio, but the rates would be higher (7-10 right now).

Numerous options were considered, but ultimately, a DSCR (Debt Service Coverage Ratio) loan was secured.

They help with taking professional photos for you, book on top sites (AirBnB, VRBO, booking.com, google, and their own evolve.com), help get the highest rate for the stay, guest support, and offer liability coverage in case something happens. 

https://www.biggerpockets.com/...So far, throughout 2023, we have published several articles on DSCR (debt service coverage ratio) loans, a loan product that continues to grow in popularity among real estate investors.

You can purchase a super cheap term life product and receive coverage this way (not exactly the same coverage, but except in rare circumstances probably what’s needed).The difference between the policy cash value and the loan amount can be duplicated by placing this amount in an annuity, or cert of deposit.The tax deferral benefit can be duplicated  (maybe) by a self directed retirement plan. (  in actuality the benefits of tax deferral are not as great as they seem; most of the tax benefit is predicated on being in a lower tax bracket when it’s time to withdraw funds, more and more a dubious assumption.