If something happened, would I be covered under liability protection with my insurance.5.

If something happened, would I be covered under liability protection with my insurance.5.

On my duplex, I hold title in my LLC name and I could get an umbrella policy to cover myself personally.

Perhaps my wife and I could scratch together $75-$100k (with savings, 401k loans, etc.) though looking at $200-$250k for a 10% to cover down payment/points/closing.Even if I could borrow the money, would you recommend a primary residence purchase in 2018?   

I am an architect so I have extensive experience with older buildings, so I feel I should have things covered. 

I've read 12 months occupancy is enough to cover the occupancy requirement.

Are those numbers and 3/4 bed room rentals common in that area?

Stove replacement.I live in the basement and I like it, but I hate light when I am trying to sleep in, so basements are fine with me, except for last night when my upstairs housemate was putting a bed frame together at midnight and I thought he had set up a bowling alley.

Finally, any advice on what I should include in the policy to make sure I'm fully covered in regards to manmade and natural disasters?

But worried we won’t be able to rent it and be able to cover the mortgage.