15% increase in rates after 1 year.

[Thomas D.]

Hi everyone. I have multiple rental properties in an LLC in Ohio. Signed with farmers insurance i year ago. Increasing my rate by 15%. Just received an adverse action notice. too many inquiries on my credit report, not enough credit history, etc. I am amazed by this, being that my credit score average among all 3 bureaus is around 780. Which is considered excellent credit. Is it possible for an investor to get property coverage without that coverage reflecting off my personal credit report? thus increasing my rates? My agent stated that no matter where I go, my rates will go up and you will always need your personal credit attached with these properties. I have never filed a claim. Told my agent that this is not cost effective for my business. Am I stuck here? I recently applied for a business line of credit for future deals, this would explain the inquiries, which were supposed to be soft hits on my report, but ended up being hard inquiries. Is there any insurance company out there that anyone can recommend for property investors? Thanks for any advice.