Since the date of occupancy could change; So, I’m looking into possibility of vacant or unoccupied insurance coverage to protect our investment with the correct coverage.Living Area:- 3,800 SqFt.Near a lake but looks to be outside FEMA flood zoneARV: $425,000 - $450,000Previous property Hail damage claim (year 2014): $2,600Insurers Replacement costs: $600,000 (Looks high to me)Personal Property costs: $450,000 (Wow!)

Is the property titled in an LLC for your asset protection?

I would prefer not to do that if possible, because I don't want to expose myself during this brief vulnerable period without protection, but I also don't want to break any laws or LLC shields if this process is not handled correctly.What are your thoughts?

Also, check out this link: you may want to keep an eye on the regulations in CS.

I've had my eye on the Speedway area. 

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Matt,Speaking toward the insurance piece, your insurance premiums are going to depend on several different factors such fire protection class code, roof age, square footage, age of dwelling, etc.

But the mortgage holder gets notified and they will usually pay the taxes to protect their position. 

All you do is get some legal protection as it's not in your name but tax benefits are zero.

If you don't establish the LLC correctly, or if you don't know how to conduct business through it in the right manner, then you might not be protected.