Stats on the house: PITI is $1,864.Valued at about $475K with $250K still owed to the bank.1500 square feet, 3 bed, 2 bath on 2 main levels, nicely remodeled with views of Mt.

I keep finding different policies.

A good umbrella insurance policy usually covers that.

I've called 5-6 insurance agents/brokers and am having a hard time finding a good policy. 

I have Personal Liability coverage on my policy.

The popular one that's being used here has no clause for the early termination of the lease.What is the standard policy if the tenant terminates the please before it ends?

I heard Brandon on on the BP Podcast mention that he uses cash value policy vs replacement cost policy. 

@Caleb Gray - we have not yet set an official policy in place for this yet.

I don't want my insurance policy to skyrocket (increase in price) with this new claim, I am assuming its is like car insurance once you hit someone or something and make a claim it jumps astronomically in price. 

It's a myth if anyone says it is.Revisit why you got started and what you want accomplish through using real estate for your family and your future.Believe me, I've been there with the discouragement, but you don't grow by having a pity party.