which in a way could be a good endorsement.

In Texas you'll need a broker to endorse (might be the right word) you unless you're a broker.

Look at what your coverages include the more options and endorsements the higher the cost.  

The owners did have a survey which is 11 years old and the title company will not endorse it since it's over the 10 year limitation.

It is difficult to do a direct apples to apples comparison w/o my endorsements in front of me, and I have a much bigger umbrella for liability.

sorry for the formatting...and yes, i round up and am a little on the high side of this (but not too far off) closing costs $9,378 Loan costs loan origination $360 application (high) $250 appraisal (high) $750 lender fees $1,764 Title costs attorney fees $650 chain of title $250 closing fee $1,000 closing protection letter $50 title policy update $125 electronic fee $40 endorsements $175 endorsements (other) $175 title document fees (high) $225 overnight and recording fee $50 lender's title (high) $525 wire fee $50 Taxes & Gov't $815 recording (high) $140 transfer taxes $675 Pre-paids homeowner's insurance (high) $733 pre-paid interest (high) $345 Water Bill (City of Chicago) $372 initial escrow payment homeowner's insurance $122 mortgage insurance $0 property taxes (high) $553

The umbrella policy specifically has no endorsements for "business activities" and the properties are located in New York.

There are many endorsements that are available on the homeowners policy.

Paying waaaay less was just a convenient bonus.I won't be endorsing any companies here, but this 'brokerage', made up of one broker, a  few programmers, and an MLS admin, with 1000's of sold listings, in 7 neighboring states,  it's a sign that things are changing.I'm sure respect is mutual around the table here. 

Money Mustache, Jacob of ERE, most of these guys make hundreds of thousands a year in endorsements and advertising from their blogs.