Just trying to gather data to make some informed decisions since I currently live in Los Angeles where real estate is pretty expensive.Would appreciate any locals who want to chime in as well.

Airbnb supposedly has a 1M dollar insurance plan that they have in place to protect guests and hosts for accidents. 

Then they'll leave during the summer when you can get plenty of demand anyway.Also, like you said, check with realtors, and check online for insurance relocation companies.

My question is what type of insurance do you have to protect yourself if an hourly worker is hurt on the job?

I shudder to think how much my insurance premiums are about to go up. 

This is important because building size generally dictates how fast new tenants move to make a decision.

I can understand that decision even if history indicates that San Diego will be the better investment (past performance does not necessarily indicate future performance).The verifiable facts are that San Diego has been a very good long term buy n hold locale (especially for financed buy n hold) and that there are indicators indicating it will continue to be a good long term buy n hold locale.

Everything from tenant screening, lease drafting, rent collection, compliance issues, insurance, evictions, rehabbing, etc.

I'm looking for reasonable Insurance on a vacant for a period of 6 months.

I'm in the same boat as you, closing on the 15th and no insurance agency want to insure me.