They collect these submissions and if something pops up in your area, and your home potential fits their needs, they will typically do a screening, need more information and if you get selected you will begin talking through pricing, contracts, etc.So if you are switching just for the sake of insurance companies, then it would be a bit of gamble becuase these take a lot more time to foster relationships and build trust.

It's a gamble!

I'm willing to take the gamble on them leaving as I will be able to rent them for $400+ more per month with new tenants. 

That is a bit of a gamble.

But stocks are gambling for most (unless you have insider information or disciplined monthly investing on the index over a long time).

Failing health, gambling debt, legal troubles, divorce, etc.  

If it were closer and I was more desperate for a place to deploy capital I'd be more willing to take that gamble but it's pretty far from Denver, and too different from the rest of the Front Range market that I understand better and have more faith in.

You can work from the top down or bottom up, same animal, but assuming you work off an ARV will be a gamble.

The best way to build your network is through authentic relationships and you certainly do so here.

When you exit a market for a duration (in your case 3 years), you are taking a gamble that market does not get far worse for purchases.