For once it was the insurance company sending me money rather than the other way around.I had recently upgraded the HVAC on one of my houses and since the risk of it failing was reduced, my premium was reduced.Just a reminder that should you do some major work on a house you own that you might be due some discounts from your insurance carrier.

Changing wifi carrier or password does not do anything to the locks.

I certainly think you should request this whether the PM's carrier approves it or not. 

They should be able to find you a reputable carrier for an umbrella policy that meets your needs.

I just wrote one in CT that one of our carriers for $400,000 RC was $100 less than the next best rate which was based on $110,000 ACV for the same property.The second item that was confusing is what the payout will be.

It's all cash up front, then its send your receipt to your Ins Carrier to be applied against your deductible.The MASH establishments even have pick up & delivery buses.On a smaller scale we are seeing privately owned out patient surgery facilities that Dr's are building to avoid subscribing to the inflated hospital outpatient surgery privileges of old.

I've never worked with these companies, but here is a start for you: http://www.preferredconcepts.com/realoption/ http://gorstcompass.com/property/ http://www.allrisks.com/products/ You may need to work with brokers as I believe they may only work via non-admitted carriers.

If I'm complicit in a meth lab and a tree falls on my house, I might have some legal challenges, but the insurance would pay the claim.Because there's a gray area, and because there's a lot of flux, each carrier is handling this issue differently.  

All of this is great for the PMI carriers but terrible for the homeowner.

Your insurance company will then sue the driver to try and recoup the claim payout.Best to put your carrier on notice, if you haven't already.