Carriers also base insurance cost on location, distance from fire hydrant, and fire station, police station.The best thing for you to do is to contact multiple insurance agents, both independent and captive and see what their rates are.  

Higher limits for Liability could raise the cost (but I recommend you buy the most coverage) Remember, you contacted two Captive agents (they normally just write with the one company).  

I am using a local insurance company for most of my stuff as State Farm and the other "captives" weren't competitive or fun to deal with as I scaled up. 

I have a dog and I have cats and I have a raccoon, perfectly legal and permitted in my state because it is captive bred. 

But I'm sure someone on here can recommend one.Your financial Advisor at Merrill Lynch "should" do it for free and give real estate a good look but a lot of times, captive agents like Merrill don't look at alternative assets for one of two reasons. 

Hoping to use any other sites that help us be less captive to sites like airbnb and VrboPaul

Essentially, they are holding me and my equity captive for three years.

A captive agent is one who can only write insurance for their company specifically. 

Most of the time, if you call your captive agents to get advice then they will just open a claim case no matter if you end up going through with the claim.

.- A majority of these older properties only have 1 bathroom (often times with really strange layouts/captive rooms), but I've found significant value changes for 1 1/2+ bathrooms in a property, so if you can add even a half bath, you're ARV will be much higher.- Water seepage and moisture is extremely common.