Underlying RequirementsMost carriers require certain minimum liability limits on your rentals (e.g., $300K per property) before they’ll write an umbrella policy.You want all your rentals scheduled under the same policy to avoid confusion if there’s a claim.4.

Last thing you want is to give your carrier a reason to deny coverage.  

Thank you all, I'll make sure to add their name and address as "additional insured" only.Any recommendations for an insurance carrier reputable and trustworthy for landlord policies.

You may request the carrier re-price the policy using a reduced replacement cost.  

Expect to see more inspection requests and letters from your carrier requiring the sidewalk to be replaced, lighting to be added, exterior painting, roof replaced etc.

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? 

Hi@Jami VincentMany carriers are tightening their underwriting guidelines right now as they work to get back to profitability.

No first class no sharing miles with international carriers .

I also just took a look at some insurance renewals / premium increases that made no sense due to the replacement cost the carrier used.

Always. interesting plot twist as more carriers cancel and people need to get new policies and see the original borrower is not on the policy etc will the servicers be telling the lenders to call the loan.