An insurance agency could charge a fee as well but they'd have to show that too.If everything is the same on the policy (can be hard to tell with a cursory look at a quote) it's possible some of the internal risk information was changed a (such as year of update) and the underwriter changed pricing to reflect that.It's also possible one agency asked for pricing credits to get as close to a certain number (perhaps a number you told them based on the current policy) and the other agency was unaware of that number so they didn't ask for credits.That would be the most likely in most cases but it's odd since the quote was already created and given to you from The Hartford that it would change so much.By the way, your agent should be able to retake control of the quote quite easily with a signed BOR/AOR as discussed. 

It's updated every 15 minutes.

As others have said above the thing that I think they will be most helpful in is keeping you updated with the changing laws and local ordinances. 

I've got several rentals and always joke I'm cash-poor, asset-rich.You can BRRR via buying with a mortgage, but either the property must be habitable and just need updating or you'll need to use a DSR Rehab loan.

Home was recently updated, so we didn’t do anything at first.

-I have an online portal that is updated most of the time showing rents paid so the tenants are not the issues.

Adding keywords related to your investment strategy or market locations can be updated in your settings.

Would love an update if you decided to invest, and if you picked a different spot, would love to know why! 

The City of Chicago updated their code in 2019 to "14B".

The Duplex was built a long time ago (1920's) and has had some updates over the years but still has some deferred.