I see buyers getting surprised by this often when buying older buildings.The more time you give an agent to quote the better the chances of getting a competitive rate - a lot of buyers start calling agents when they are going to close and want it NOW NOW NOW> you will pay more this way.Give the insurance agent a week or two to shop the rate and get the agent accurate documentation proving the age of updates to the roof, electrical, plumbing, hvac, etc and good photos of the property to allow them to sell the property to underwriting.A lot of people don't realize two sales are made for an insurance policy - one to underwriting and one to the person buying the policy.

I understand why they are used, but personally I would rather leave a voicemail and have a warm body call me back than deal with another automated system.Think of it this way: if someone is so urgently looking to sell a property that they can't wait for a call back in 1 business day, do you think they are going to sit through some automated system?  

It creates shopping lists and little bonuses like that so it has a few more things than the spreadsheet that comes with your Flipping/Estimating books.  

With the services they provide I feel that they would be a really great one stop shop but I was hoping that the people here with infinitely more experience than I could weigh in on this.

Would any body suggest best area to buy rental property in Jacksonville? 

For example like shopping around for insurance or evaluating the portfolio between cash value and replacement cost insurance.

Definitely shop it around for diligence purposes, find someone you can communicate with, get an idea of pricing for what you have and where you are going.

.), so keep that in mind when shopping around.

If something breaks and they're not shopping around for deals with contractors, is this the person you want to be working with? 

FHA Loans are going to be essentially the same regardless of who you go with so probably just makes sense to shop for a few and pick the lender you are most comfortable with