Your focus should be on growing a profitable and sustainable business, and rarely does this correlate in anyway to the size portfolio you can grow  as quickly as possible.Before you concern yourself with your partnership agreement you should revisit your investment thesis and strategy. 

Leave your price too low and you leave money on the table, too high and your occupancy will be abysmal.

I've heard of people doing it 'under the table' but what's the best way to do it for both parties? 

Relying on a property tax assessment for this information may result in leaving deductions on the table.

Also, our property is 10x the size of most in the city at 1.75 acres.

The bigger and more diverse your business, the more cumbersome managing multiple policies can become.Administrative Burden: If managing multiple policies is consuming too much time or resources, consolidating may be a way to streamline operations and reduce the workload on your team.Negotiating Leverage: When your business reaches a certain size, you may have enough premium volume to negotiate better terms by consolidating with a single carrier.Final ThoughtsConsolidating your insurance portfolio into a scheduled program can offer significant advantages in terms of cost, simplicity, and risk management.

If you do STR, size doesn't matter *as much* as MTR or especially LTR.

Thank you so much for the link to the table showing title insurance.

One size does not fit all.Just keep in mind that between now and Oct 15 we're all extremely busy.

That said, over a long time horizon, and for investors who are willing to take chips off the table and not continually double down on PML, it's a great return and the spread is large enough to make a big difference.