While technically negotiable, the Sitzer/Burnett case revealed that the industry practice effectively standardized these rates.

What is on the insurance application that you signed? 

Make an insurance claim and buy all new stuff.

----------------------------------------------------------------------------------------------Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

You could see insurance policies in the six figures. 

Or you can buy one from AIA as they have short form standard contracts. 

St Cloud MN Duplex, list/purchase price $259,900market rents $1,610 per unit BUT yes, if one really wanted to sec8 income standards are $1,957 per unit so one could go that direction if wanted be.

Quote from @Peter Walther: I think you'll find most, if not all title insurers, will require the DIL to be dated and executed subsequent to default in order to insure. 

You can try and fight it but does not mean you will be successfulI would also be curious to see what your property insurance looks likeFor me this is just another example that home prices are gonna eventually have to soften as between taxes, insurance and Interest rates home affordability is very challenging

Can anyone on there provide any figures for converting a standard fireplace to gas?