I have paid about $6.00 per month per location for the umbrella policy, They said they received an industry-wide as well as nationwide rate increase from their carriers on the umbrella policy and said if I want to keep the umbrella policy, I have to pay more than $100 per property more!  

All flood insurance is backed by the NFIP, the carriers just service the policies.

Most Insurance carriers will insure 1-4 family owner occupied homes under a homeowners policy.

However most major carriers will not insure roofers, so in a case such as that, you must go to outside lines.

I will send you their info.If you go out an buy a single policy for just one of the risks, here are the different policies types and when they need to be used.Vacant Building policy - no renters and NO rehab going onBuilder Risk policy- Vacant and on going rehab Landlord/Rental Property policy - Tenants are occupying the propertyIf you purchase the wrong policy, the insurance carrier could deny claims stating you "misrepresented" the risk.

@Storm Silva Insurance agents are either captive or independent with their affiliation to the insurance carriers. 

But I've checked on some large carriers such as allstate and metlife, and they are not admitted.I thought CIGA was something that an insurance company had to be admitted to in order to be 'respectable', since it covered insurnance policies if the carrier went bankrupt, and that the majority of insurance carriers in california were a partr of it.

Im looking for a new carrier for a condo in California and so far have zero luck finding one that still will do a landlord policy. 

When dealing with insurance carriers directly their only interest is their best interest, and the person representing them just wants to get a paycheck.

Take a carrier like Southwest Airlines, known for great service, but run into the wrong employee on the wrong day and you won't care WHAT their rating is, they'll ruin your trip.As I said above, I didn't have a problem with the tellers and other employees at our local BofA branch.