This reminds me fo the people I knew that “changed some facts” to insure their racing motorcycles or their imported from Canada 2 strokes.

However as you state is regional ,, then its county  ,  then its city  then its zoning overlays.. no one broad brush stroke can determine what you do .. must drill down.

I see all strokes of employees come through.

Formica isn't as sexy as granite or concrete but rentals aren't about stroking an owner's ego but what works on the balance sheet.  

It gets harder the further away you get from the event.At the beginning the insurance companies are eager to look good and stroke checks, but the longer time goes on, the less willing they are to please the owner.  

Quote from @Matthew Irish-Jones: Different strokes for different folks, and it changes over time for a variety of reasons.I think there's great value to starting cheap.

Getting used to stroking large checks is hard, but I'm trying.  

They appeal to people's personal vanity stroking, mindless herd mentality and irrational fear response.

Different folks, different strokes.

I recently began grabbing the csv data from Zillow and Realtor and plugging it into Data Studio, but unfortunately it's really broad strokes.