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Coach
Switch home owners insurance to a landlord insurance policy.
Get an umbrella insurance policy.
If you can move the title to an LLC, sure go ahead. This can be hard to do if you still have a mortgage. If you don’t have a mortgage, very simple to do.
Do short term rental owners also need to get landlord insurance to get coverage?
I like having mine in an LLC for privacy reasons. If the tenants cause code violations, your LLC will be cited as owner instead of you personally.