I'm also interested in the Philadelphia and Atlanta (my current location) markets.Profile: I don't have much big debt besides my auto loan which is about $7k right now.

Check with your agent to see if the current company for your Auto Insurance, Home Insurance or Dwelling Fire policy will do the umbrella.

I am in the Seattle Market, it’s a very very difficult market for Multi-family as a somewhat rookie,  I am looking for something with a higher cap rate of 3.95%.Regarding agents,  since I have done this, I know it really depends, but it just feels like they hit you on the auto-search, and are going to be in it for their beat interests as opposed to yours. 

They should have renters insurance to cover their personal property (auto insurance in this instance).

I've run the non-auto type for 3+ years without changing the battery but on our rental homes I change them at least every 18 months or so.I've recently had trouble with 2 different locks malfunctioning. 

Logging in to the mortgage company account to make sure the auto pay went through 2 minutes once a month. = 6 minutes a month + 1 time visiting the place to sign a 2 year contract 2 hours every 2 years.

Airdna my phone auto corrected 

That policy gives additional coverage if the undlying policies (auto, home, dwelling/fire, boat, etc.) are exhausted.

We have one that auto-calls us if the electric goes out. 

They paid in cash for rent as well as utilities and there were no issues.You can also set it to auto-fill the monthly rent charges on the ledger, or other recurring charges, for all tenants regardless of how they pay.