@Troy Woodard I just quoted a 3 flat today, and I know it was not in the best area as some of the insurance carrier declined to quote. 

This article speaks pretty well to that point, as well as this definition on the "Vermin Exclusion":http://www.investopedia.com/terms/v/vermin-exclusi...While each insurance carriers' policies can vary slightly from their competitors, in general (without getting into to much boring insurance detail) most policies are based off of an industry standard known as "ISO" (ISO - Insurance Services Office).

It was Farmers, and I can't say enough good things about them for standing behind us in this case, even though by the time the case was filed we had switched carriers. 

  I too am going to switch my cell carrier to one that MMM has recommended and try to implement  whatever strategies he offers where comfortably possible.

Started working for a large health insurance carrier and been working my way up ever since.

You can even ask them to have their insurance agent send you "loss runs"  This is the official report from the insurance carrier detailing the loss and total payouts.High risk property characteristics in the Midwest right now are any electrical system other than 100 amp circuit breakers & a roof more than 20 years old. 

That being said, there are certainly several carriers that offer the insurance.

You ultimately need to weigh the pros and cons.All I can say is that I have numerous clients who were insured by preferred carriers like Travelers, etc, and when they had claims for "x" amount, their annual premiums increased several thousand dollars; which they weren't happy about, but in the end, they had to stay where they were, because I couldn't find them anything cheaper with the claims on their loss runs (these are records of your claims filed are asked for by any carriers you want to be insured with in the future). 

There were boxes of stuff, new-ish appliances, and lots of cat carriers and cat food and bowls.

Once Certificate(s) of Insurance (COI) are secured from the contractor or service provider a quick phone call (or email, which I prefer as it creates a “paper trail”) to the carrier or Agent can confirm the coverage(s) are current and valid.