insuring rental property

I have 4 rentals in addition to my personal residence. I have landlords coverage on my rentals and a $1milliom umbrella policy issues by my homeowners insurer. Is this the safest way to insure my properties?

we just changed our lease

We are not not letting any prospective tenants "Opt-Out" of getting their own personal Renter's Insurance to cover a minimum of $100,000, especially if we permit a dog.

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