My new policy (after getting what appears to be a slob in one of my properties) is to do just that.

In the letter, we restate our policy about paying rent on time and what will happen if rent is not paid on time.Here is the body of that letter.  

Check that they have a snow specific policy and not just general liability.

You can't discriminate on the number of occupants unless there is a good reason to do so (i.e. the septic system is a certain size and can only support waste water from a recommended number of occupants).You can't target a certain age unless your unit is in a active senior resort, or something like that.Even though you have a policy of "no pets", you cannot discriminate against someone with a service dog.You can't use the name of a house of worship as a landmark since that would be taken as you are targeting occupants of that religion.I am even so careful as not naming the college or hospital that one of my places is near, since I don't want to be accused of targeting only people who work there or attend school there.But you CAN target these types of individuals in other ways. 

The Public Policy Institute of California has some great information on population growth and dynamics in California:http://www.ppic.org/main/publication_show.asp?

Things had been getting better, but just this last week, we had two more challenges come up.Turns out, even though Flipkey had approval to transfer the funds at closing, per their policy, they still sit on the booking funds until 24 hours after the guest arrives.  

also possibly commercial policy that I can insure multiple houses in?

Now compare the cost of a $1M liability policy with the cost of setting up and maintaining an LLC and decide which is right for you. 

I seem to have read a couple of years ago about some insurance company providing a policy for ALL of your rentals, no matter where they are located. 

Additionally, you can require the borrower to put you on their insurance policy for the property - and could require a copy of insurance with this addition prior to you giving any funds.