@Adam Bosma thank you for your explanation and I will look more into it and see how it fits my portfolio but my current feeling that even though I am doing very well, I don't have a lot of excess cash that is just sitting in the bank.

Hold tenants accountable for excessive wear-and-tear.

Lenders are less likely to approve loans for properties with excessive leverage and might not meet the leverage max for most lenders 

Find a place to stash excess cash to diversify risk from equities assets 3.

The most accurate way to forecast premiums is to find estimated property, GL, and excess rates.

Some also have clawbacks for excess profit.

Their website says that infrared scanning is "using the most technologically advanced tools available allows us to detect moisture that is invisible to the human eye, and with these we are also able to locate areas throughout a home or structure that have overheating or malfunctioning electrical components. this work brings a critical difference to a home inspection". 

I would also keep all interior doors open so you can draw the most moisture out as possible.

The issues with expansion and moisture issues cause tons of problems according to him

Umbrella carriers usually have minimum ratings that they require the underlying carrier to have but an Umbrella policy can be excess of different carriers.