The other tenant is not sure he has renters insurance because he switched carriers and is not sure that he kept the renters insurance.The tenant that started the fire can live with her father (my good friend). 

BUT if we take them down the Insurance carrier has a fit.

I'll drop you a note with the carriers you should connect with.

In exchange you might be surprised and like my work ethics, my 4 fluent languages and get back your inspiration that you might of lost during your carrier. 

Foremost, American Modern Home and Lloyd"s of London would be the three carriers you should look at.

1- Not all insurance carriers will cover bldgs with brick foundations. 2- If it needs to be replaced, it’s a major PITA and costs ALOT of $$$. 3- It could get severely damaged in an earthquake. 4- Not all buyers will buy bldgs with brick, so limits your market.Bottom line: I avoid them for long term holds, especially due to earthquake risk. 

Hi @Mahmoud Hass, I find Foremost is the most competitive carrier for my fixer uppers.

When I make outgoing calls the phone gives me the choice to use my carrier number or Google Voice.

With the way you are operating this property, the insurance carriers  would underwrite this as a boarding house (multiple nonowner occupants renting rooms/units that do not have their own kitchen and bath).This can be written as a commercial policy, but if you have a residential loan, not sure if your loan will accept insurance that is not an official Homeowners policy.

If it exists, that would help you to have a better understanding of it.One thing I did discover about FL insurance is that they sorta divide the state into zones and a carrier that does business in one zone may not be able to write a policy in another zone.