You can choose the "carrier routes", which are a partial zip code, based on the renter/homeowner % reported in the last census.

The insurance cost did not increase (we made no claims) though many carriers left the island.The occupancy rate for our 5bed/2bath is ~62%.

My guess is that you can find an Excess (aka Surplus) lines carrier for the Vacant building and the Liability.  

I haven't really checked out a lot of other carriers, but I wouldn't be surprised if they have the same stipulation. 

Or your a known very wealthy person.proper insurance is what you should have if you get sued hand it to the insurance carrier.. but make sure your landlording in a way that is not considered slumlording IE not fixing things

You just received a copy of the letter because you are the Owner.The PM should be filing a claim with his insurance carrier.

As far as what coverages, I would start with looking up what the State requirements are to license the home.the State will usually have pretty stringent guidelines as to which coverages you have to have and what limits of insurance you need to carry.This makes it pretty easy to compare insurance quotes as the insurance agents and carriers all need to quote  the same minimums.

Your insurance policy should fit your needs, not the insurance carriers requirements.Look for a commercial insurance broker who can offer a wide range of insurance carriers.  

Hi everyone - recently purchased several multi-family 8+ units and a commercial office space and insurance carrier says that fire extinguishers need to be installed throughout and inspected annually. 

Simply *calling* to inquire about a possible claim on a loss before filing goes into the system, and even if the amount is less than the deductible, it will be counted against you and your policy costs can be adjusted up.This information came for a "loss prevention and mitigation" class I attended with one of the major insurance carriers for investment properties.