Many of the insurance carriers who are in the multifamily insurance space are represented by Independent Agents.

Your insurance carrier maybe having a problem trying to write a residential policy for the two of you. 

A lot of carriers don't write insurance in FL so it make take some sifting to find the best deal. 

Not only should you get insurance on your properties, but you should also require your tenants to carrier insurance and name your business as an additional insured on their policies.Having insurance on your properties are not only going to protect you against a liability claim, but it's also going to protect your property against a loss.

I wouldn't be surprised if there were a number of carriers in California that did this.

You can capitalize on that money, but if you have a carrier with a non-direct recognition loan your full interest rate and dividend continue paying into the policy.

The insurance broker I've been working with is saying none of his carriers wants to write a policy for Palm Beach County.

I ended up having to go with a surplus lines carrier to insure the property and agree to replace the roof within 3 months so that I could close on it.

This is compounded by the fact that carriers are now getting very good at filtering spam texts. 

(Legal/labor rules may cause different determinations especially in NY).If the owner directs the work and hires the subs they would be acting as the General Contractor for most insurance carriers I deal with.With the owner acting as the GC, the Insurance companies then want to know if that is their business and if they will be performing any of the work.As far as what coverage you need, it will depend on what type of project (flip, buy & hold, Reno & hold) and what your status is (owner, owner as GC, or just the GC).