Basing insurance price on past losses does not adequately compensate for the future risk which is higher.  

What I do not control is the natural level of rents in any given market at any given time. 

I think Natural Gas dryers have 110V outlets but electric only dryers are 220V w/30 Amp breakers, if I'm remembering correctly. 

There is no way to really get an adequate perspective because there will always be a very wide variance of thought processes.

Most times landlords don't have data or cannot adequately factor in vacancy time or turnover rate.

Durham is also more complex in nature than Raleigh.Raleigh stands out as the only municipality with Fast-Track ADU plans to streamline the approval process for homeowners.

Hurricane Helene shows us that natural disasters are part of the risk in REI.

Also, what's the nature of your business? 

Handling Unforseen DelaysA clause should address unexpected events beyond human control, including weather-related delays, natural disasters, supply chain disruptions, or unforeseen structural issues.

I might say that most of those are going to be residential in nature as well.