I think the few ways to really insulate your self if your that worried. 1. is a true irrevocable family trust with you as trustee and your kids as the bene to 95% of the assets. 3. start now and put your rentals in a charitable remainder trust.. this could work.5. just don't own rentals  be on the debt side only own notes .. and commercial if possible those have very little risk as they avoid dodd frank issues. and owner occ lender liability issues.7.

I am an outside sales manager for a building material supplier in SE Wisconsin + my day to day consists of calling on sub contractors, GCs, and architects for items such as drywall, insulation, steel framing and acoustical grid/tile.

Some of the quotes I got from contractors have an insulation board that is put down over the existing wood style shingle siding, then have the new siding go over top.

The owner needed more insulation and thought the hay would be cheaper.

Most of try not to change insulation because home owners will not know the difference between r10 and r19 rating.

I have heard people keep bunnies outside here in Wisconsin, but it would have to be a fairly well insulated cage to duplicate the warmth that a burrow down in the soil offers.

In that case I'll just say that the consistent application of a policy does not insulate a landlord from  a discrimination claim. 

Now, if sitting on a pile of cash, that is "insulation" or PROTECTION for the various "what-if's" that can and WILL arise for persons in such OVER-leveraged positions.

Once I closed on the property I started to tear down the walls and notice that had no insulation, at that point I decided I going to tear  everything up. when I took the sheetrock from the ceiling, I was in shock to see that some electric work was done with duct tape. 

Having property held in an LLC to be personally insulated from liability of its activities is great and all,   but then having to have your name all over it as a member and put out there to the public by the state for everyone to see????