I'm trying to shop for insurance so I first contacted my own insurance company and was given a quote for about $95/mo and covers pretty much everything except earthquake, sewage back up so I went and try to shop for a different one.

Especially if you have to cover a large area to show apartments.It takes the same amount of effort to show a house as it does an apartment...

When you serve any notices you include the tenants name and also "and all others" this is what my attorney has done to make sure we cover all people living there. 2.

Hi,I actually use the same lease on my condo rental that I use on my fourplex units and just fill in a few blanks differently (like what the rent covers, for example).The key difference for me is that I have an addendum of condo association rules and policies that is incorporated by reference in the lease. 

This has been covered in other threads, most of us prorate the 2nd month to get them paying on the 1st.

On Oct 1 they owe another $500 which covers the second half of October. 

Doing the math, she could cover all the costs but it wouldn't really cash flow but very little.

They agreeing to findings.2. complete repairs found by inspection and deduct from deposit3. clean carpet if they don't provide a receipt from a local, professional cleaner which is the condition they received it in. deduct from deposit if they didn't.4. if a pet was allowed, they must turn in a receipt showing it was treated for fleas. if If they dont it comes out of the deposit. if any damage from pet they're given an estimate of repair and sign an agreement that they will pay any excess not covered by deposit.5. touch up painting as needed, filters changed, fire alarm batteries updated.6. get keys from tenant and change locks. old locks go into inventory to be used in other properties.7. return their deposit with a letter documenting what expenses were paid out of it and a notice that they are welcome to return if they were a good tenant. they can use the statement for their future landlord as well. if they were not a good tenant, they go on a do not rent list for future reference with a copy of mive.iut inspection signed by them indicating damages and/or non-compliance behavior.

I am thinking about things like if there's a total loss fire, how am I covered?

I run a meetup (RE Investors of CNY) here in Syracuse the first Tues of every month at 7pm at the Aloft Inner Harbor Syracuse which has a good mix of people and you're welcome to come but a more convenient on for you might be the TriCountyREIA of WNY (www.TriCountyREIA.com) that covers your market area (Ontario, Monroe and Wayne counties) more specifically.They meet 2nd Tues of each month 6-9pm and their next meeting is this Wed, 6/13.