At the moment, we are using American Modern and Sage Sure through our insurance broker. 

The typical 2-4 unit I represent buyers on we are able to increase rents 40-100% especially in gentrified areas.

But there are too many red flags for me to invest with their company. 

We are up against con artists!

You have to think, if we do that and we get the call we are going to try to list for maximum value to the broad market as we have a fiduciary duty to do that. 

The fact that their documentation is not clear and they are in a hurry to move is a big red flag.

We are based out of Kokomo which is right outside of Indianapolis.

We are now beginning to crack down more as some insurance companies for property owners are asking for copies of all renter's insurance policies to issue liability coverage on properties.Aside from having in leases that renter's insurance is a requirement, how do others actually enforce the tenant getting it?

In this situation we have a former-tenant  hyper sensitive to return of full security deposit (when unit wasn’t returned in good condition) and we are  experiencing a few unique damages.

Ok yeah we are thinking of getting an investment property loan so we can stay in our current home.If we did the FHA route we are considering on living in the new property for 1 year and then moving back into our old one after the year is up.We are curious if we would get a more favorable rate if we borrowed from our home equity to buy the investment property.Do you have any idea if many investors borrow from their home equity to get started?