Portfolio lenders look at the debt service coverage ratio of each property.

This could provide coverage for both affected units. 

There are a lot of great options out there; aside from providing the basics (ie. listing tool to get the property published to 10+ major sites, scheduling tool to schedule viewings, tenant screening with comprehensive applications which include nationwide criminal background checks + credit checks + eviction history, digital lease creation tool, rent collection tool, and maintenance tracking tool), some services also offer your tenants additional capabilities which makes it an easier sell on your end when getting them to transition over (ie. their ability to report on-time rent payments to the credit bureaus; this can create an added incentive for making sure they pay that rent on time).

Property insurance in Houston and any city in the Gulf Coast will be higher than other parts of the country because of the storm coverage required, and only offered through Texas Winsdtorm Insurance association, so it's difficult  to compare any policy to coverage outside this area.   

Subsequent headline: Florida Landlord Throws .45 Hot Lead At Tenant...to be continued in the news coverage

With that said, could some of these coverages be added or not depending on the scenarios?

I'm looking at increasing my liabilty coverage, there's always stories about what "Could" happen...just seeking some real life, average stories about what DID happen and how much liability coverage you needed to be covered for it?

HMDA data is the most comprehensive source of publicly available information on the U.S. mortgage market.

Haven't worked a bunch with them, but I do have a couple experiences (I'm an insurance broker who works in all 50 states, so I see a lot of insurance companies)1) Seems to be competitive2) They are similar to any other e-commerce company (i.e. geico, e-surance, etc.) in that you only have your online account, and a 1-800 number3) They want to earn your business and unless you request the coverage, they likely wont discuss it with you (which means you have to be your own insurance professional)4) The client's who I work with who have had Lemonaid in the past say having a personal broker and specific person to connect with is very beneficial.Best of Luck!

Their liability coverage doesn't allow it.