When I bought the policy I was not given any choice between replacement value and market value. 

Late rent policies must be consistently applied to all tenants. 

I just not sure that I have the right policy for me. 

That could save the expense of paying real estate taxes that would usually be due on the sale (you haven't sold the house, just the LLC) and may remove the expense of providing another title insurance policy to the buyer (the policy that the LLC has should still be in effect).

OK, so up until this point, I'm thinking no to the LLC, just get a good liability policy and form a dba and I'm good.  

My 4 units are about $800-$1000 annually on a commercial policy with $5 million liability.

Best practices to consider when working with a turnkey operator is to discuss the construction method and methodologies, tenant screening policies, view copies of the rental agreements and management agreements.

I'm paying roughly 2700+ for a pretty basic replacement value policy.

Also I would say that in some cases having a manager is a sort of insurance policy.  

Originally posted by NA Beard:A) will encounter the same objection, too many properties.Consider refi and thus get insurance on each separately and get the landlord addendum of extra liability coverage.Otherwise, (B) you need a separate entity for groups of 1-4 propertiesCaveat:  unqualified opinion of the respondent - - seek professional advice.Thanks I found one insurance with no limit but they need all properties to be in one state, which isnt the case.. each property currently has individual 300k policies, but I prefer Umbrella to LLC route since, its cheaper and is a "catch-all" so I don't have to up each individual property's coverage to $1mm a piece, which ups the premium.