If someone falls off your roof an insurance policy starts paying immediately while an LLC just sits there.

Are there any insurance brokers licensed in California on here?

Once again, taxes and insurance are going to be highly variable.

When making it a rental, do I need to change anything with insurance? 

My CPA has instructed me that the auto expenses (at least the proportion used for rental activities), overhead such as office supplies, software, tax preparation, and other items which occur to operate the rental properties (AS A WHOLE) are expensable on Schedule E relative to the activity (e.g. based on number of units per property) by "cost accounting or cost allocation".

There are duplexes.....in C Neighborhoods....on Zillow right now.....In Cleveland that are going for $73,000 that Mortgage, taxes, escrow, insurance, water, sewer, vacancy and capex  where the Gross Rents are $2,200 to $2,500 per month.......   

Before you DIY this check with your insurance company this is not going to cause some exclusions in coverage. 

The TK provider, mortgage company, insurance, etc are making more than the investor every year. 

Received checks from insurance for cash value in 2017.

Robert Principal, interest, taxes, insurance.