Personally, I'm also seeing a wide range of quotes now from different carriers.

We installed a Carrier Furnace & Air Conditioner in a house that was under contract but not closed yet.

Ultimately if you have proper insurance, 99.9% of plaintiff's attorneys are going to be most focused on securing the insurance carrier's cooperation because the plaintiff's attorney is most likely representing their client on a contingent basis and the insurance proceeds are how they are compensated.

I used an insurance broker in the area who found me our policy amongst the different carriers.

(On that type of deal it should but play it safe)Even if the seller can show you a current policy and that is what they are paying now you as the new owner may not be able to secure that same rate even from the same insurance carrier.

A student can be anyone.This was her reply: A lot of carriers specify renting to anyone under 25 years old.

If you rent the condo out to others it would be the same thing -- you would need a policy that only covers the interior walls -- it would be an HO6 tenant occupied and depending on the carrier you currently have you would either change the occupancy status or you would need a different policy-- in my experience 9/10 times they require a different policy. 2.State farm does not really ask a lot of questions -- their quoting process is not as in depth as it should be.

.,  where I can see this for sure is with agents on BIG teams that are beginning their carrier they get cash flow ( IE they get paid I suspect from you weekly or monthly out of the retainer).... ya I can see this.and as you said your blue color FHA buyer with minimal cash savings is probably not your target.. but sophisticated number crunchers..

There are also some carriers that let you edit the mandatory coverages.

Bottom line...bolt.Patricia,Thank you for sharing your concerns about the EverSeal system in regards to insurance.We have had success throughout the nation in consulting with insurance underwriters to help them understand the EverSeal system to allow our cooperative client to continue their coverage with their current carrier.This does vary though from carrier to carrier and underwriter to underwriter.