@Mitch Davidson - are you hearing anything different or more detailed locally? 

While technically negotiable, the Sitzer/Burnett case revealed that the industry practice effectively standardized these rates.

IF that is the case full stop - yes you are paying for something called insurance but if you have a claim the company has the right to pretty much deny coverage for having the wrong type of policy.Landlord policies are higher cost but for a reason - there is a different and increased level of risk when the house is not owner occupied.Talk with your agent and get all the details sorted out. 

A little more details, to help paint the picture.

This will be based on the personal details of your business.

Many details could affect whether you are entitled to this money back or not.

Local professionals can help confirm the numbers.Feel free to reach out if you’d like more details on Oklahoma or want tips on getting started in these markets.

@Thomas YoungmanThank you for such a detailed response.

@Alec DresslerYou’re on the right track using tools like AirDNA, but for better data, consider the paid version or platforms like Mashvisor for detailed rental analytics.

A link to FilePlace is at the bottom of every page, making it easy to find.If you have technical issues, email [email protected], and someone will help you.