Claim Isolating Rental Properties

[Mike Mazzucco]

Hi Guys,

In prior years, I used to use State Farm to insure my rentals, as they would allow me to use my LLC/EIN to register a policy. This proved to be helpful to avoid a claim on a rental affecting my other insurance premiums/denial rate for other properties including my primary residence. This year, my agent informed me State Farm is no longer accommodating this, and is requiring all policies to be owned personally, which as you can imagine removes the claim isolation.

Fast forward to today, I'm trying to get recommendations on what carriers you use or how you structure your landlord policies to be able to isolate my personal lines?  Also, do you guys know any insurance companies that insure your primary that will omit claims on rental properties that show up?