@Stephen Brown @Ben Kahle the mail carrier places the package in the parcel locker and then puts the key to that parcel locker in the resident’s mailbox. 

Account Closed Multiple buildings on a single parcel is very common, but does not fit into the State Farm box very well.Other insurance carriers write a single policy with 9 buildings listed. 

I'm shopping for a new commercial insurance carrier for this.

In addition, I am sure the fact that you are so detailed with your process made it easy for the insurance carrier to find coverage & identify subrogation against the water company.  

Larry Hawkins I’m guessing this can be answered if you tell us who your insurance carrier is.

@Brandon Carriere I understand no one has a crystal ball and maybe my math is wrong but are you telling me that you think my house could be worth 27000 to 40000 more in 6 -12 months?

@Brandon Carriere I was trying to see what the monthly trend is for the inventory numbers in las vegas?

Join that REIA.Tell your current insurance carrier that you are "considering" making your home a rental property and that you would like a quote to see if it is possible.

The lender may also be using rates for a primate placement (high-risk) carrier as well.  

Although the Insurance carrier will not specifically tell the Mortgagee about the renters, the cancellation or changes may alert them.