I am a physician who became a real estate investor. I own long-term rentals, small multifamily, and short-term rental properties across multiple states. When I finally sat down and reviewed my own policies line by line, I found over $600,000 in uninsured exposure. I had insurance on every single property. I just had no idea what it did and did not actually cover. This guide is what I wish I had before I found out the hard way.