If you write a quote for those for me, is there a deal to be made for doing all 5 of them!?" 

I am in PCB as well, but my CPA won't believe me writing off a trip to Panama City, Panama, for "Real Estate."

One of my HOAs, the master fire/liability policy was +15% this year (likely the max the state approved), the earthquake was +165%, and my personal landlord policy got non-renewed as the carrier left the state. 20+ carriers refused to write a new policy.

Get into the routine of entering them as soon as bills come in or putting the bills in one location, entering them once a month and writing on them that they were entered/paid, then filing them. 

Get this in writing 1st.   

Owning a house together is like a long-term business partnership, so make sure you have a clear exit strategy in writing.

In that case, I would shop it around to see if any other regular carriers will write the coverage.  

They are easy to get started with an the support has been OK compared to others  I am going to jump in here for few questions.Does it make sense to buy RE in retirement account(401K) as the tax benefit and write off are not similarly applicable as outside of 401K?

write the owner see whats up.90% its not the owner being a slumlord its the area and the type of tenants that will live there are slumlord type tenants.. pretty hard to turn those around .

Think of it as the govt forcing the lender to take whiteout and use it on all the property documents, whiting out the sellers name and writing in yours instead.