As long as they have a recognition of the challenges that face your investing endeavors, and have access to a carrier (or carriers) that fill your needs (in conjunction with the strategies discussed here), challenge them to get you the best VALUE for your insurance, not the cheapest rate.

Carriers tend to get concerned when they see claims frequency as they start to wonder if they will end up with not only a string of small claims, but a string of large ones down the line. 

For a current 401k at a current employer, you can always try to negotiate a way to get out of the 401k plan you are in and roll it over to a separate carrier.

Ask your postal carrier is another.Another BP post today was from MI and he posted pix of a bunch of vacant house.

It is a line of business that carriers prefer to avoid but state DOI's won't let them write homeowners without writing renters insurance.

Sandy Uhlmann,It would depend on how much you make on the deal.Let's say you make $1K.I would suggest that you give the Letter Carrier a $50 gift card to one of his favorite eating places.If you make a lot more, I would probably give the Letter Carrier, a gift card, and some cash.Remember, the Letter Carrier could be a constant source of Information for you.Raymond

@Robert Man Here are some of the independent insurance carriers who are filed to do business in KS and that I use for multi families.AcuityNationwideAuto OwnersCincinnatiQBETravelersPossibly Middle oak and CIBA, but you have to jump through a few more hoops with these guys. 

Financial - copies of P&Ls along with their corresponding tax returns/bank deposits to prove them, a current rent roll (and depending on the size) estoppel letters from the tenants confirming lease charges are what is represented in the rent roll, a thorough lease audit of all tenants to include the screening they underwent before being handed keys, last 3-5 years of insurance loss runs from the owners carrier, and understanding the property tax assessment and how a sale might change the current charges.3.

What Jay has done is match the best carrier for each type of property that either I or my clients have to save the most money. 

Do they use an insurance carrier that does cover these types of deals?