Our coverage was a little light for the extent of the accident.  

Even if you make all of your payments on time there are times when something happens by accident or a collection pops-up and drops the credit scores. 

The tenant understands that the property of the Tenant is not insured by the landlord for damage or loss of any kind (action of third party, fire, water, theft, vandalism, storm, heat or cold, electrical damage, pests, mold, accident, etc.), and the Landlord assumes no liability for such loss.

It's a small Motel at the beach no clam or accidents.

Auto limits of 250/500/250 and Homeowners liability of 500K should be the minimum you carry.

An auto body shop across the street that "stores" cars needing work there.Since abandoning the home, major landscaping would also be needed to clean up the walkway to the water.

2) dropping a vape in a toilet mid stay is clearly an accident.  

Those of you with outdoor pools at your properties - what are you doing to mitigate liability in the event of an accident? 

I was told that some commercial insurance companies are able to provide umbrella policies without auto policy and primary residence.

Will they have to be auto programmed to hang up and never call again if so requested?