I know for many landlord insurance policies there are certain breed restrictions for dogs, and this bill would make it illegal to discriminate based on breed. 

@Caleb Smith a standard policy for rentals should have liability insurance built in.

She is close to retirement, wants to move to out of state with us, and have the peace/zero risk of not having the home in her name anymore. 

That decision depends on who you are, what you are willing to tolerate and what your market is.I thought the comment concerning the different types of damage was great - accidental, negligent and purposely.

@Thomas SmithThere are several considerations that can go into the analysis of whether you need an LLC or whether a large insurance policy will suffice.

You should have an established, written policy to follow.

BP policy won’t allow me to boat contact info in the forums

What stops the tenant from simply canceling the insurance after one month, paying say $15 to move-in and leaving the landlord with zero security?

@Raphael AbreuIn my opinion, the best policy to have as a real estate agent is to disclose, disclose, disclose.

Would an umbrella policy cover that?