What followed after that was an offer from them to start making weekly payments until my entire Inner Circle membership fee was refunded over 10 weeks, followed by sending me a new e-sign settlement doc with those stipulations in place of the original - even after I refused the "payment plan" option via email earlier today (as you can imagine, given the experience thus far, the last thing I'm interested in chasing my money/answers even further/longer).

I had a few tenants e-sign 6 documents with multiple pages in a couple minutes and realized they did not read any of it! 

Originally posted by @Bill E.

I would be curious if you e-mailed your city, county and state officials with your story how they justify you having to pay property taxes.

Some carriers don't ask but you should make sure that you're not indicating (in the policy application that is typically e-signed) that you aren't using your property for student housing if you are.  

All the fine print came in subsequent e-mails.

I am a Broker in California though and still on the Oregon DRE s  e mail mailing list I like to stay up on current laws since we are home builders in the Portland Metro market..

Quote from @Scott E.: I love where you mind is at and how organized your post/plan is.

While R/E investing is about the same nationally the laws are different in each and every state.

For sure PG&E requires this for gas and electric, and I think most jurisdictions require it for water and sewer as well.