@Samantha Robbins If you are going to live in the 3 unit, you will want to bundle it with your auto with Nationwide or a similar personal lines company insurance company.If you are renting it out, there are several other commercial insurance carriers you will want to consider.

At the end of the day the estimate is worthless in this case because if the contractor's main concern is making the insured whole, they will look for things that the carrier missed/did not cover and fight for you therefore settling the claim for the right amount.3. 

@Greg Carrier Do you drive to Michigan for the tax sales or do you have a colleague in the area?

Getting the brokerage added as an additional insured actually should not be a problem, its just the fact that your carrier now knows you are a real estate agent and likely driving clients.  

Any good carrier will be able to provide coverage (aka landlord's policy) and many can also add the umbrella coverage. 

There are other carriers too.  

Without experience in this industry and the right carriers, policies do become basically useless unfortunately.  

Insurance carriers have been killed on the coast and can't realistically charge enough to cover their exposure.

Darrin Brunner seems like isocket3g requires the consumer to provide the SIM card and in most cases, this is where they would have to pay a monthly fee to the carrier for the service.Good to have that option though.

Most are right here, some carriers could exclude liability coverage if a dog bite occurres leaving you with a huge exposure.Dogs bites make up 1/3 or all home liability claims and pits unfortantely are on top of the bIte list.Speak with your agent and your attorney to see what options you have