Those landlords that choose to artificially subsidize communities via suppressed lot rents do not generate sufficient reserves to set aside for inevitable capital improvements to the community’s infrastructure and aesthetics.

You need to watch this video from an attorney on why insurance is not the answer to protecting a property from a lawsuit.

I never choose anything based on price.

They/you can't choose the carrier - their software assigns it.Fortegra is one of the carriers (paper in insurance parlance) that their product is written on.That said, Fortegra is A- rated I believe by AM Best so that isn't the issue.I'm going to take a guess and say that your umbrella is written with PersonalUmbrella.com (Markel) and they require all underlying insurance to be A-rated but also with an admitted carrier. 

There are dozens of platforms out there to choose from though - so not just pushing that one - it's just the one we chose.

You can find us online.Current Ideas: Video Series on Passive Investing in MHC, Tax Benefits of MHC, Investing through 401k etc. 

If all you are doing is watching YouTube videos, you don't know as much as you think.

@Tatum Littleton, I appreciate your welcome and reassurance that we are choosing a good starting place. 

I think I will use this question as the topic for my next youtube video. 

We have emails, video conferences, secure portals etc etc.We do have a physical office, and half of our clients are local.