Have you tried going directly through your insurance provider?  

Please send me a direct message.

However, nearing retirement, with our past experience in mind, we decided to try it again, this time just rehabbing one house to flip.So, I set up a self-directed IRA so we could use the retirement money we had left after the recession, and bought a foreclosure house that needed a lot work.

@Josue RamosRecommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.So, when investing in areas they don’t really know, investors should research the different property Class submarkets.

That said, if you only have a few "residential" rental buildings, most direct carriers can get you pretty low deductibles on their stand-alone policies (State Farm, Allstate, Farmers, Nationwide, etc.). 

One option to try is to identify the hospitals that are close to your property and try to reach out directly to their HR departments.

AB1482 applies to your existing house unless it is newer than 15 years old and may apply to your ADU, seeing it is a garage conversion, if the garage is over 15 year old.

The market has a lot of strong points right now: affordable entry prices, great rent-to-price ratios, and high demand for rentals, especially in the Section 8 space.What’s even more exciting is the direction Detroit is heading.

I'm going to see where I can apply my knowledge I'm still a young padowon haha

Once rates change direction and start a new directional trend, it usually takes a major event or change in fundamentals to reverse again.