I reached out to a local insurance broker, who came back with a quote that seemed very high to me ($3,800 yr), from a company called Foremost.

I use Foremost also.1million should be fine.

You really don't need that LLC until you pay off the property and it's questionable if you need it then as long as you maintain your property and have correct insurance.Yes to wind insurance, not sure about hurricane.I use Foremost STR policy for one property.I am about to switch to USAA (retired Navy) for another because they quoted a policy that was 3k lower than what we have.

Maybe you take all your policies elsewhere...Anyways, I'd recommend Foremost. 

Try Foremost, Proper and CBIZ.

Also, I think that the members who post and reply the most do so not because they want to find customers for whatever they have to sell or get any sort of profit but first and foremost because they want to give back and help.

I use Foremost for my mobile home investing business with the properties I buy and hold.

Share your wisdom with the less-experienced users.Always remember this is a forum for learning, first and foremost.

@Mike Grudzien Foremost is not a ‘vacation division’.

I've only done one, so I'm not the world's foremost expert.