Okay pal, go with them I am sure it will work out the same (sarcasm) (hangs up phone).Like anything in life, you get what you pay for. 

These policies also cover you in all other areas of life like car accidents as well.

I'd start talking to her and looking for another place for her to live. 

My plan is to sell my primary home in New York and purchase a house to live in South Carolina.

Even if the rental has a decent cash flow with additional flood insurance, we're still not sure we want to take on that risk as we are out-of-state investors (planning to move back to KY in the future, but not now) and we don't like that it will potentially bring down the perceived value when we try to sell it in the future.The seller has never lived there and has not provided any information on if it has flooded before or not. 

Currently all I own is a 70-year old house that I live in--it is in good shape but needs updates.

People’s Republic of Asheville is more concerned with STR regulations than people living in boxes on the streets.

Renovated it, lived in it for 2 years then moved on.

Hey, I was taught pimps and ho's and gang bangers gotta live somewhere too.

You will be living in someone else's house.