Are you stationed on the aircraft carrier on Tempe lake or the submarine at Scottsdale waterfront? 

Most insurance carriers will have no problem adding the PM as an Additional Insured to the policy. 

It's also how airlines like Spirit, Frontier, etc have such low rates, but by the time you pick your seat, add a carry on, etc. now you are paying about the same as the regular carriers.

A lot of insurance carriers are declining policies in the city due to an increase in claims. 

In my area, the HOA cannot dictate insurance carrier or agent. 

Your current carrier may be able to handle it but may not be the best rates.

  - Increased rate: filing claims can increase the annual premium – the amount is not set and is based on the nature of the claim – all are based on carrier review.I'll update you about the conversation and if I can get other rehab costs claimed. 

I would agree Foremost is good but an Independent Agent can shop multiple carriers. 

You will need to speak with your IRA carrier for the details.Without reasonable cause, it is preferable to roll your IRA to a self-directed IRA and you purchase the properties with your self-directed IRA.

Ellie,Traditionally, homeowners and Dwelling/Fire policies for rented 1-4 families do not cover the underground service lines (Plumbing, water, sewer, electrical,... outside the foundation.Several of the carriers we write in NY are now offering the coverage.