Those failures are  more negligent than a PM allowing a guest who paid with expectation to stay at the house to remain there in the middle of winter when they arrived on a Friday evening as you described.For now you will have to rely upon insurance, I don't believe the PM acted unreasonably given the circumstances.

Often sellers think they can get a much higher price than the market will permit and so they think your offer is unreasonable.

I have always said that we cannot create reasonable motivation to sell, we can only create unreasonable motivation.And since everyone who calls is typically a qualified prospect its important to create a followup system...

The other quotes I received were often unreasonably high compared to other properties in my portfolio—sometimes exceeding my current carrier’s increased rate for this property while offering less coverage.

It would not be unreasonable for this to be worth 2-2.5M 10 years from now.

Quote from @Lucy Ahl: Who do they have to answer to or do they just get to run amok and do whatever they want, no matter how unreasonable?  

My guy retired & the flat rate firm I recently used raised their fee to an unreasonable amount. 

@Alvin SylvainEven in California the landlord is required to make reasonable accommodations and allow the tenant to make modifications at their own expense as long as the restoration back to the original construction will not be an unreasonable expense to the landlord.Ripping out a second floor ramp or elevator will definitely fall into the unreasonable expense to a landlord. 

Unlike Airbnb, no one can cancel their trip midstay without my ok and there's no one issuing refunds to unreasonable guests without even consulting me.

With the direction things look to be headed, I don't think that's unreasonable.