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

Most commercial insurers dont have the volume to have as many carriers as they have.  

If it's not recorded the best source would be the lender/note carrier.

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.

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.  

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.

Amount of income can go up based upon more cell carriers using the cell tower.

They will want to know:- locations (need that to determine fire protection)- Age, Sq Footage, current limits- claims history- dates systems (Electric, Plumbing, Roof, Heat)- any burglar or fire alarmsthey may need- do the tenants have pets- are there in ground tanks- who the current coverage is with and when it renews- tax id for the owner (FEIN for corp/LLC or SS # for individual)With that info, it may be a quick answer as to whether or not your current carrier is competitive or they  may need to rate it up.

There's a risk they're going to come in after closing and insist on repairs or upgrades, or leave me scrambling for another carrier (who may wonder why my last carrier dropped me?)

Umbrella policies are priced on the underlying limits and depending on the carrier may require higher limits on your auto and primary home  than what you may be carrying now.