If I go into best buy and walk out with something without paying, I'm getting arrested for theft. 

I am concerned about theft during and after renovation so a policy that can cover that would be of utmost importance. 

So you think an investor will pay what retail market has rejected?

I ended up getting lucky and finding this one on zillow.The biggest problem I'm seeing is that everyone in my area wants close to retail price for fixer uppers - and people are paying it.

These wholesalers used to sell to institutions but now that they're not buying as much, they're searching for retail investors. 

Developers are seizing the opportunity to convert these spaces into much-needed retail and healthcare facilities, bringing new life to once-abandoned properties.The Future of Closed Drugstores: Plasma Centers, Restaurants, and Dog Parks

I get builders risk policies for all my new builds and at least in the markets I built in Charleston SC  and Portland Oregon have never seen the fence and security and like you I would have trusted my broker to mention something like that.. fence and 24 hour security is just not something you do on ONE SFR rehab.. unless its a known high crime area like South side of chicago and now inner city Portland you really need the fencing etc other wise the homeless and druggies will walk off with everything.. when did a bunch of rehab loans in South Jackson MS same thing theft was off the charts and we had houses burn down .. but the dollars were much smaller.I know I have gotten larger policies for my bigger developments and I did pay my lawyer to go through them line by line and at the end of the day they really cant say what is or is not covered.Also you simply would not think of anything in Colusa county as being high crime .

Are you selling at retail or wholesale?

Suitable investments don't last long, whether in the wholesale or retail market. 

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