Work a farm and your sphere of influence.Above all, (with a hat tip to Winston Churchill), never, never give up.

I am a husband, father of three sons and pastor to 400.

@Jason BottThat is the sort of info that cheers me up. thanks for making me realize that. the quote from State farm has a $1000 deductible. i didn't have receipts or serial numbers of the computers stolen so i wasn't too hopeful of seeing complete reimbursement. 

The fact that we're talking about 2 claims spread among 3 properties (2 rentals and our primary residence) did not matter, it was handled the same as 2 claims against 1 property.Okay, so we contacted some other insurers and finally settled on State Farm.

The direct writers (state Farm, All sate, etc) will most likely not have the ability to do this.You should be communicating with an independent broker who is in the commercial side of the business. 

@Pastor James Barnett If you are paying closing costs on both sides you have no deal.

So, I understand some few things about faith.Somehow, "highly religious" and such cynicism suggest a spiritual conflict.I'd suggest some quality time with your minister, priest, pastor, etc.

If you live in one state licensed as an agent but are farming areas out of state for business you need to look at those laws as well.

It is an old farm house and various outbuildings on 1.4 acres, but it's riverfront views and in-town location is zoned for high-density multi-family residential.  

State Farm has been awesome for my portfolio as well as personal...