@Jeremy Lee the core of the flipper interest is going to revolve around price.Fun notes and exceptions: If you only have stated value coverage, and not replacement cost coverage, this could very easily blow up in your face, particularly if you owe a lot of money on the property. 

I recommend the LL hurry up the insurance coverage issue and look to getting a loan at the same time.

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.