I would run a campaign with both and test them for your market to see if the improved response rates justifies the cost.Depending on the type of list your mailing, you can even do carrier route mailings.

Our current setup is a Toyota RAV4 crossover with a roof rack, a folding cargo carrier, and two utility trailers.

On the other hand, if it's just a stick-built structure and there's a cell tower stocked with all the carriers right nearby,  then by all means, have at it.  

The insurance carrier can decide to move forward with coverage at their discretion but were I adjusting this loss, I would report the drug activity of the tenant as the cause of the loss.The question now is whether or not there is an exclusion for damage caused by the manufacture of illegal drugs.

If you're calling your normal carrier, press them on what they cover and what they don't.

., I would lose the ability to insure my rentals using my current carrier and would probably have to transfer everything over to a business underwriter (no doubt adding a great deal of cost).

For what it's worth, I discovered that a few insurance carriers offer a discount (especially for larger multifamily buildings) for installing automatic stovetop fire extinguishers.

Although it might be better to have it strongly recommended, rather than required, in the lease.I have seen occasions where having renter's insurance actually SAVED tenants quite a bit of money because it qualified them for a multi-policy discount from their carrier on their car insurance.

Assume they are an adult capable of knowing the due date and wait.Think about how your credit card company, phone carrier, utility provider, and other businesses handle this.

If you buy a Brokers Bond, then the STATE allows you to operate in this capacity.However.....The insurance carriers do not allow you to start placing business with them just because you have a Brokers Bond.