Then your GC will get sued for coverage and you'll be right behind them.No one should be on your job without wc coverage.

One thing you want to consider with whole life coverage is, who do you need to be a beneficiary when your 80 years old.

A good RE attorney may very well tell you that an LLC could help but you're better of spending your money bumping your umbrella coverage on the property from $2M to $5M.

Debt Coverage 2.35.

I agree that it is worth mentioning that HOAs often cover some additional benefits, but the largest "benefit" in Colorado comes when HOA covers roofing (hail is a major concern here) as your monthly condo/townhome insurance will be a fair amount less expensive than standard homeowners insurance due to that coverage (& other items with risk).

You don't want to get to the closing to find out they have dropped your coverage.

I'd meet with an attorney to find out what my risks and liabilities are.I'd meet with an umbrella coverage insurance rep to figure out how to minimize and cover the risk.I'd meet with a C.P.A. to figure what my tax consequences will be.I'd also meet with a commercial loan officer to see if you can break the investment properties away into their own LLC with new fixed rate financing for the long term.Seems you have a good Plan A for acquiring, now it is time to look at protecting you and you assets.

Make sure you have proper workmen's comp insurance to cover yourself and others that are working on your property that don't have their own coverage. 

@Chun Ju ChenI agree with everyone that part of title insurance coverage is for fraud.

Great rates, many options, month-to-month so you only pay for what you use, offers coverage for Actual Cash Value or Replacement Value, offers coverage on vacant property, which can be hard to find.