I'm also wondering what others thoughts are on the integrity of REICLUB to host and appear to endorse a program that is clearly a SCAM. 

It might even wind up losing another seat in the House of Representatives. the hazard waste is just an endorsement to the contractors license its a simple course you take .. kind of like home inspectors who are certified for lead paint removal or contractors certified for lead paint removal. its not a huge deal just a box to check..

*I do not work for, endorse, or promote this product. 

Plus, we require a lender’s title insurance policy as well as fire and liability insurance policies with specific requirements, as well as a handful of endorsements for each that are recommended by our attorney.

Any strategy that LS does not endorse is NOT allowed for their members. 

I whole heartedly endorse Subto and the community there. 

Solutions to Combine CoverageOption 1: Add a "Rental Unit Endorsement" to Your Existing PolicyMany insurers (e.g., State Farm, Allstate) let you add a landlord rider to your homeowner's policy.Covers tenant-related risks (liability, lost rent) for the rented portion of your home.Cost: Typically $20–$50/month extra.Option 2: Switch to a "Landlord Policy for Owner-Occupied Properties"Some insurers (e.g., Farmers, Liberty Mutual) offer specialized policies for live-in landlords.Covers both your personal belongings and rental units under one policy.Option 3: Buy Separate Landlord InsuranceKeep your residential policy for your living space and buy landlord insurance only for the rented area.Key: Clearly define the rental unit (e.g., basement, ADU) to avoid overlapping coverage.Option 4: Umbrella Insurance (Supplemental)Adds liability coverage beyond standard policies (e.g., $1M+).Does not replace landlord/residential insurance but adds peace of mind for lawsuits.3.

When a guru says he does that, it's a tacit endorsement of the action.

I wanted to get some thoughts from those folks who know the insurance industry on a few points:- What if anything does a standard property policy cover (less the EQ endorsement) in the event a building sustains damage from an EQ event.- Are there any other endorsements / options that can be added to a standard policy which act as a substitution or supplemental for an EQ policy?

Not only those two particular PLRs themselves are debatable as far as their endorsement of this strategy, no PLR can be used as a legal precedent.