Ok, I digress....Anyways, do you happen to have anything in writing from the carrier saying the home is/would be insured  the carrier?  

In my personal experience form switching carriers on my residence, they send a local person to evaluate the property, mainly by taking a defined set of photos.

Chad, as the OP have stated, the personal insurance carriers are a good fit when you have your first few locations, but you will grow out of most of those options when you get to 5-10 locations.Our REI clients will have an insurance program for their Home & auto, then a completely separate program for their rentals. 

All those factor in to the umbrella rates with most carriers. 

I'd talk to a public adjuster and see if they can squeeze more out of your insurance carrier.

Good ones will have a network of lenders, insurance carriers, contractors, property management, etc. to help you you with your investment goals.

Make sure to get enough coverage for cleanup and replacement of damaged items.Service Line coverage is something somewhat new to landlord insurance, and not offered by all carriers.

Due to the record number of claims being processed by the insurance carriers, many of these homeowners have not received a check for their damages yet, let alone repaired all the damage they suffered.

as a side note I read your article in Forbes on leasing out rooftops to carriers for their 5G technology, and I have to admit it's a very impressive approach to generate passive income and value on commercial buildings!

I believe that Goodman and Lennox are good options if you are looking for something more affordable and Trane and Carrier tend to be more expensive.