Would have to compare the two to see exclusions as each carrier is different.

keeping the flips & buys together forces up the insurance cost because you have so few insurance carriers interested in your mixed portfolio. 

There are some really big differences in costs between various carriers and what they will/will not cover. 

If you do get stuck with Citizens remember they only offer 100K liability, you'll have to buy an excess liability policy from another carrier to get higher amounts.When buying a property here, allow for the expenses of updates to make the property insurable.

You can't charge for ESA's/Service animals UNLESS 1) the breed increases costs via your home insurance carrier or HOA (you can pass the increased cost difference down to your tenant, if they do not accept, you can deny); 2) the animals cause damage to the property; 3) The animal is a danger or is a health risk to other Tenants in the bldg. or to you if you live in the bldg. i.e. animal has bitten someone or allergies or animal is poisonous, etc.; 4) Animal size is too large to accommodate i.e. a horse, a 200lb. dog in a single room rental.  

I have recently joined a new insurance carrier that specialized in rental properties (you may have heard our ad on the podcast). 

Your options are basically1) Find a broker that has access to many carriers and get you quotes2) Get a quote from the big carriers that have captive agents that only work for them (Farmers for example)3) Explore carriers that work direct-to-consumerYou can search on Google for "landlord insurance" or similar terms.

This situation causes us significant issues because we now have to cancel everything, rework the account internally and with the carrier, produce new COI's, binders, policies, adjust payment / premium details, billing, etc. 

Each individual carrier has their own estimates for replacement cost, but I feel that is too high.

I'll send you a list of the carriers who are the most competitive on a single SFR.