Personally I don’t have enough assets yet to be too worried about financial liability and have structured myself to be covered with the insurance on my properties and a very solid umbrella policy, an additional $2 million.

I obviously prefer NV but that’s because I’ve had my tolerance of humidity beaten out of me.

I have pretty much zero dollars to my name but I have a street PHD (poor, hungry and driven).

I believe Fannie Mae changed their policy on this at some point, so it could be people are working off old information.

I'll tolerate it to a point before letting them know we've provided justification for each charge and will be unable to answer any more questions. 

The least expensive way to cover that is a Dwelling Fire policy.  

My understanding was that for the ballot it is a vote to allow the council to craft their own policy without having to have the ordinance be voted on by residents? 

When I sell it, I will keep my mortgage on the property and owner-finance it to the buyers.This generates at least an extra $50k+ on the deal in interest, but even my own insurance company isn't sure how a claim would be handled.I HAVE to keep my insurance policy on the property according to my lender.

It's also necessary to review the title policy when received as more than 50% of mine have coverage errors that were not noted on my marked up commitment that included the title company reps. initials. 

From that moment on, the majority always votes for the candidates promising the most benefits from the public treasury with the result that a democracy always collapses over loose fiscal policy, always followed by a dictatorship.