🌳✋As my barber once told me, good haircuts aren’t cheap and cheap haircuts aren’t good.A good investor-agent comes at a premium as they should.

To achieve outstanding results, you need to develop PREMIUM business, customers that will pay a premium for your services.

It has a free option or a relatively affordable premium option.

Same as you, I have never made a claim.Indeed it has been tough these past few years in the Midwest given the contraction of carriers and increase of premium.

BUT...you're also paying a higher premium because there's a much higher risk with a vacant property.

Additionally, they can command a premium for short-term rentals.

I'm assuming this means the premium will skyrocket like many others, but wanted to see if anyone experienced this transition or company in the past.  

I'd rather just pay the slight premium to get into the bigger market, personally.Anecdotally, the STR Facebook groups I'm in are constantly full of posts with people in the Georgia mountains panicking about empty calendars. 

Specifically, we have a commercial property in California that recently had a massive increase in the fire insurance premium.

I could add the "rent credit" on top of the market rent, but then that's a $400-$600/month premium on top of the rent that's supposed to go towards the purchase price.