That is a determination that varies between carriers and adjusters.  

If the cost does substantially exceed your deductible and would warrant a claim, ask your agent what the typical premium surcharge would be for filing a claim under vandalism.Should everything line up to file a claim and you do have coverage for those damages, the insurance carrier will issue payment to you. 

The 2 choices for budget equipment appear to be Goodman or ICP brands (related to Carrier)- Heil , Comfortmaker.

It was also fwd to their insurance carrier.

Kulin,From an insurance standpoint there are a couple of things to consider:1. will adding the Trust force you to change insurance companies and if so what is the additional cost2. will your current carrier write and umbrella over both the trust and you personally or will you need two umbrellas.I would get quotes for a $5,000,000 umbrella policy and use that as a comparison to the annual maintenance costs. 

Top tier carrier?

But that's not the case either, there are good whole life carriers paying 6.7% dividends this year.

Chances are the winning insurance carrier will be a Lloyds of London if you are in Miami.

@Joseph Gibney Also try an Erie agent, in addition to an your independent that represents many carriers.  

Make sure your Hazard Insurance carrier knows you are doing this, so they can get the LLC insured.