Right now, there's not enough "room" in rates to cover those hits so borrowers would pay discount points to cover them.

We recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

@Dayana Castellon the only marketing that would make sense is marketing Airbnb & VRBO are NOT covering already.Maybe market directly to insurance companies looking for rentals for their clients needing temporary housing while their fire-damaged home is being repaired.Corporate travel departments might be another option.Hospitals with resident doctor programs.The challenge will be doing this marketing efficiently enough to make it worthwhile.

Different portions of land and building might be subject to different tax rates or legal considerations.Calculating land and building values for tax purposes is a critical step toward maximizing your available tax deductions from depreciation.

We recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

I frequently come across investors who approach asset protection the way you appear to be approaching the subject and you’re making this unnecessarily complicated.

And if it does, they believe their insurance will cover them.Your property isn't the issue.

You won’t have to worry about which policy or carrier covers what, reducing the chances of delays or disputes between carriers.More Predictable CostsScheduled programs often allow for more predictable budgeting.

What's covered and what isn't?

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.