In the event of a true disaster, just know you can't keep yourself whole.Basically, you're participating to save on pennies--via a normal insurance process--and to keep yourself exposed to any fat tails event. 

There are a lot of different ways to start investing, so trimming the fat on the direction is a great beginning. 

Thinking my cell phone is not working and maybe I missed some emails, I went back home to check my emails on my laptop and did not see a single email from them.

You should have the cell phone of anyone you deal with regularly and they should have alternate points of contact if there's a conflict that keeps them from handling your file personally. 

Sometimes when I'm lazy and I'm working on the computer I just use my Google Voice to make my phone calls so I don't have to hunt down my cell.

I seem to remember having a hard time with basic things like getting a cell phone. 

Thanks  Sorry Couldn't seem to edit. 200k property with 200k in insurance not 100k my fat fingers messed up :) The quote is a little above 300k

For example, take a fat food franchise.  

I would like to buy around that area.I would love to get my cell phone number removed from the feed.

You will have their cell phone & be speaking to them whenever you want more or less.Beyond that there is the model in which a large management company such as Holton-Wise operates.