Hopefully once the tenant is out, you can get back with your original carrier and the costs will be more reasonable.Good luck!

It might be a $50 unpaid cell phone bill from when they switched carriers.

For example a 25 y o applicant who has used credit minimally and has an unpaid bill of $50 in collections from when they switched phone carriers may have a low score, but the only negative on their credit is this one SMALL $50 debt.

Some carriers require limited water damage coverage depending on the age of the property and age of utilities.I would recommend at least 25% (ideally more) when possible and if you're limited to 10% you should make sure you cannot purchase another policy for a similar price.

Of course I can switch carriers, but the question to you all, is are you noticing insurance carriers getting very picky with certain things, and if so, what?

Our actual carriers used to be Secura, but they seem to be getting out of a lot of insurance lines or pricing so high as to have customers drop off, and we just moved policies in Nov. to Hanover Insurance. 

I spent much a day trying to get a new umbrella carrier.  

I could argue it impedes there legal right to being made whole by there insurance carriers. 

Some carriers don't ask but you should make sure that you're not indicating (in the policy application that is typically e-signed) that you aren't using your property for student housing if you are.  

I don't think any insurance carriers will give you a new policy these days if there is active K&T.