That is really the only things that change around and effect the cost of the insurance.Property/auto insurance rates are very cyclical. meaning that this year Allstate may be the most cost effective for your property in your zip code, but next year it is going to be liberty mutual, in 3 years it is going to be nationwide and in 5-7 years all state is going to be the cheapest again. 

I already use apartments.com for my auto payments, zillow for my advert. 

Look into an elevation survey to make sure it is in fact a flood zone.Bundle your insurances if the flood quote is to high by adding Auto, flood and home owners together with State farm or progressive it may be cheaper in total.

If you hate the idea of college, get into a trade that will pay you well - HVAC, electrician, plumbing, high-skill auto tech, etc.

Of course it helps to be a practitioner of the strategy on the borrower and originator fronts so I get to see how things are working from two different angles and tweaking product and strategy on a continual basis.You dont need the AIO or all in one loan to implement the strategy though however the AIO makes your life a lot easier with the auto sweep checking account as opposed to what I do where I have to manually ACH over money into my commercial line.Good luck on implementing this strategy too Lincoln.

On the other hand, if you have tenants who have bank accounts, email address, smart phones etc...then you can pretty much do whatever works for the both of you (think auto-draft from their checking account for the least amount of involvement on your part).   

Since we are making this accommodation please sign this auto draft for your checking account and you won't have to worry about sending in payments and you can move in!  

Yeah, I'm frugal on autos. 

I wish I had something as simple as an auto renewal like you described.

The Umbrella policy covers if the Liability coverage of the underlying Home, Rental Dwelling, Auto, Boat, Motorcycle, Snowmobile, policy is exhausted in a claim.