People are buying everything online now - groceries, household appliances, even cars - without actually inspecting the product before they buy it.I guess companies should do away with refund policies, satisfaction guaranteed policies, etc. 

I was firmly denied and told, "we strictly do not allow short-term rentals, subletting, or anything similar".

Quote from @Katherine Policy: They rent dumps.

That's a good policy across the board, actually.

Quote from @Steve Tse: Hi BP, What insurance carriers can you recommend in Texas, as I am shopping around to replace my landlords policy that I currently have with Travelers ?

I love Cross Country specifically because they can service their own loans meaning that they handle all the construction draws and payment processing.Plus, I like Homestyle over 203k because they don't have as strict of guidelines on what has to be renovated.

I do know, however, that they are pretty strict about the STR activity in the area. 

This policy will provide additional coverage above what your existing policy covers.

Consider a no pets policy. 

Is this because you had a PM with insurance for this kind of thing or was this a clause in your individual building insurance policy?