However, the lose-lose situations presented in the article remind me of pure risk that insurance is meant to transfer to away from us as individuals.

Insurance with normal providers (State Farm, Farmers, Travelers) goes up 30% for third year in a row.

This is a great strategy for mid-term rentals.

Insurance SetupFor those renting out ADUs while living onsite, do you maintain a combined homeowner + landlord policy, or do you separate coverage for the ADU?

I like Ryan Obenreder at State Insurance.

Our cost for insurance has gone up a LOT even here in Milwaukee about $30 per single family this year (thanks FL and TX).

Here’s a simple rule:Save $100–$250 per month per unitOR keep $3,000–$5,000 saved per unit just in caseExample: For a 4-unit building, aim to have $12K–$20K saved up for CapEx.What Does Insurance Cover?

What does an exit strategy look like/consist of for multi family properties?

Go from homeowner to rental insurance.

However, a title policy is not a guarantee you have good title, only that if your title is challenged, for a covered matter, the insurer is obligated to either defend your title or pay your covered loss.