@Emmanuoel HaroutunianYou're looking for a tax/real-estate minded estate planner.This article may give you a good head start on several of your questions: https://www.mmpph.com/wp-content/uploads/2019/04/M...If you need references for CPAs or attorneys in San Diego, I can help you out.  

His name is Tim Norris, and you can get a quote here: http://www.nreinsurance.com/wp/request-a-proposal/(Note to Jon, this is not an affiliate link)You should also get a third quote, probably from a local independent, since rates vary considerably by location.James, I'm not sure, but I think you should create a new post for your question so as to not hijack this post.

A bank that makes a loan is going to earn their coupon, nothing more and nothing less.  

Being an accountant helps.I use coupons with my coupons and everything is negotiable.

On both, there was an exclusion for things that were not in the public records, but *ONLY* if the insured knew about it prior to the policy starting and didn't disclose it the title agency.Here is a link to the policy exclusions for both policies (one was First American Title and the other was Old Republic):http://www.123flip.com/wp-content/uploads/titleexclusions.pdfI'm guessing your policies say the same thing as these two, and you just misread them.

If you apply for a market and it's available, we certainly try hard to get you into that market, that's why we sent you the coupon. 

My brother had me extreme couponing in college and in the end . . .

I would register a few names (using coupons, you can get them down to under $3 each at godaddy). 

I refer to their resources tab a decent amount for market data.http://apartmentrealtygroup.net/wp-content/uploads/2014/10/Apartment-Realty-Group-San-Diego-Midyear-2015-Update.pdf

(“At the moment our industry is restructuring today’s real estate firm –so my message in introduction is to capture even the value conscious consumer ...to offer cross-purchasing benefits; what coupons, discounts, shopper clubs and point programs are you looking for?”)