Your first determination is what your tax exposure is. 

As it relates to habitation exposures, it appears that there may be a leveling off in premiums, rates, and deductibles here recently, but there's so many different variables that it's really hard to make a blanket prediction for 2025 (or the future). 

Good thing is having yen exposure, but I wouldn't worry much about that unless you have a pretty sizeable portfolio, imho.It's an amazing country, and I miss it. 

None of those areas have excess housing.I question if housing is going to see a boost in value over the near term due to not having enough housing to accommodate the displaced fire victims.  

It is correct that there is no limit, but some of the aggregators and securitizers who purchase these loans post-close have exposure limits, such as $10 million in unpaid principal balance.

You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.

With that comes different exposures and risks that they need to properly rate for.

Home went to tax sale county kept excess proceeds.

You're best bet is to call a few brokers local to the area and see what they can come up with.It's definitely going to be a surplus or excess carrier that will do it and the premiums will be high. 

Companies like State Farm, Allstate, or Chubb often come up in conversations, but comparing quotes with independent brokers might give you the best value.Since you're in a general partnership, it”s critical to clearly define liability exposure.