Be sure to get a broker that specializes in these policies, some people are brokers but still do not have access to these types of insurance policies. 

There are a lot of podcasts with Cody Davis, a very young guy that learned how to buy commercial property with zero down, seller financed.

Hi BiggerPockets Family,I am looking to insure a triplex that I own in Philadelphia which is under my LLC.  Does anyone have any recommendations?

In an effort to bring ANY $ in to help cover the mortgage ($4600 including taxes and insurance), I put together an AirBnB site for the property and set it live, with zero expectation.

I own zero rentals in Cali and never will.

Hi Chris,Long story, but an umbrella policy is not an option for me.

After years in the highly active BRRRR, sales, and rehab realms as an RE broker, I quite enjoy throwing on my boots and riding a zero turn mower, taking a Jon Boat out on our pond, or cutting up a downed tree for firewood. 

As far as I understand insurance protects you from different things.. and yes, we are definitely getting good insurance (umbrella policy for just one property?)

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Another question: Have you noticed any change in income for the property since the policy was implemented?