Maybe 999 out of 1000 landlords go their entire life without being sued, but who really wants to be the unlucky one who gets wiped out because they were too cheap for inexpensive umbrella insurance coverage?

SIPC insurance similarly does not protect against investment losses.Basically, FDIC and SIPC insurance coverages probably do not apply to your retirement account unless you are literally sitting on more than 250k in cash. 

I am not sure why you were given two different quotes for professional liability and E&O – my guess is one of the quotes has more add-on coverages and consequently is more expensive.

I've used other companies in the past but he provides me with the product that meets my needs and lets me adjust my policies as needed to make sure it's the coverage I need not what the insurance company is selling.

When we sent the report stating this to Safeco, they told us that they couldn't provide coverage, and that by depositing a depreciation check to the owner, that was essentially a sign off of the work (though they never sent the check to the owner and there is no record of sign off).

Jayson,I've written Private Flood coverage for clients with several Private Market Flood carriers.

Quotes vary wildly for approximately the same coverage.

., but the properties satisfy Debt Service Coverage requirements for most lenders.  

Monthly Expense Summary (Completed): Based off of Expected Rent (PM, CapEx, OpEx, Vacancy, Insurance, Taxes)Expected Rent (Completed): Aggregated from Zillow, Rentometer, and HomeSnapARV (Completed): Aggregated from selected CompsPre-Debt Cash-flow (Completed): Rent - ExpensesWhat I am missing: I am missing the math to take my cashflow, take a DSCR (debt-service-coverage-ratio) of 1.25, and determine my maximum Principal+Interest Payment, then take that number and extract it out to what could be financed at 15,20, or 30 years at 7% APR (arbitrary).

In many states the cost of title insurance, the risk rate for the cost of the policy coverage, is regulated by the state either by the state promulgating the rate or by the title underwriter submitting the rate they intend to charge subject to the state's approval, known as file and use.