I routinely runs quotes with most of the markets because there are often large differences between programs rates and which will be most competitive differs from property to property. 

While anything is possible and a carpet cleaning job could potentially take multiple days to complete and involve large fan/towel/dehumidifiers, I would suspect it would be less probable it was just a routine carpet cleaning. 

If you're going the umbrella insurance route, make sure it will cover you for several things including just the routine slip and fall (like mold or earthquake).

That gives you your routine expenses for a long term rental property and assumes a nominal amount of vacancy.

It would be nice to EVENTUALLY break free from the everyday routine of working for someone else.  

There is no other profession that is permitted to routinely engage in this practice and most professionals feel it should be banned.Same thing with new homes.

SF, Allstate, and the rest routinely write these with 1M limits.

Keep reading learning stuff that's what I've been doing .Thanks David, reading is a part of my daily routine.

routine.

Can I use a routine Utah purchase agreement like the one I found here: http://www.realestate.utah.gov/forms/REPC_2008.pdfWhat are my next steps when it comes to the title company?