Being a new house with new HVAC, Carrier came out to check out why our air conditioning wasn't working.

He just bought a lake side property he wants to set up as an Airbnb and occasionally use himself.I quoted the dedicated policy for this situation called by one of my carriers "Vacation & Short Term Rental Insurance" which seemed expensive I guess. 

We have an Ins Carrier that will put the tenant as insured but us as the 'mtg holder' per se so payouts go to us but NOT the claim.

Texas Law: http://www.statutes.legis.state.tx.us/Docs/TN/htm/TN.683.htmThis form might be useful to you: http://www.txdmv.gov/forms-carriers/doc_download/1990-vtr-71-2-application-for-authority-to-dispose-of-a-motor-vehicle-to-a-demolisher

Then again, you may have no use for that or some of these other benefits...which is fine.If you are unfamiliar, the uniqueness of visual voicemail is that your voice messages are delivered over your carrier's data network as sound files (i.e. mp3).

If you're dealing with a captive agent such as a State Farm, Allstate etc...they may not be able to quote you for a standard liability policy, but if your agent is with a Independent brokerage firm they should have access to the type carrier you need to correct this or they should be able to issue endorsements on all the properties to add liability coverage.

Details depend on the insurance carrier though.  

ACV is cheaper but again you will get a depreciated value if you make a claim.... also make sure you have medical coverage on the policies, and try to purchase the PUP from the same carrier that is insuring the structure. 

And in most cases, the highest.Edwin, I urge you to get multiple quotes or use an independent agency that can compare rates of several carriers for you. 

And the cost for the jump from 1 million to 2 million to 3 million is approximately a couple of hundred bucks at each level for me the last few renewals (but probably much depends on your carrier, area, and risk profile--I am boring no jet skis, farmland, tickets, dwi, not a public figure or rock star)...