Before, "acts of God or Mother Nature" weren't supposed to count against the policy...

Carrollton seems to have more due to the rolling hills nature of many neighborhoods in combination with bad dirt. 

If you do a  search of this forum you will find that financing properties in CR is an issue, though the nature there and lifestyle is very attractive

It's crucial to clearly communicate to tenants the nature of your relationship and their responsibilities.

But to touch on the earlier point, physical asset investing under the nature of debt, efficiencies of scale, tax benefits/drawbacks, and the power of delegation before you dip your toes in.

My insurance agent often does an adequate job.That sentance alone tells me I should shop around agents/providers, but what is the easiest/most effective way to do that?

Stress, theft, bad tenants, repairs, acts of nature, and people who dont know how to take care of a house happen.  

Thanks, What is the nature of your loan scenario?

Naturally.

You should always maintain a reserve to cover repairs, vacancies, natural disasters, etc.