Giving your emotions a vote is a dangerous start.

Do you offer higher interest rate packages with fewer points?

Nail salon may be in trouble, fewer people getting their nails done these days.

You can pay a couple hundred dollars and do this yourself online -- it is my opinion this is dangerous if the structure is tested via a dispute, death or otherwise. 

It simply means you are taking a slightly larger loan, sometimes at a slightly higher rate, and in exchange you have to provide fewer dollars at closing.It means that if you are buying/refinancing a 400k home with a loan amount of 300K, they will increase the loan amount to 305K or so.

This is not a comment about either Travelers or Auto-Owners but I have had Shelter in the past and switched when I had a claim as I found the policy, which had the same dollar limits as the other quote but much cheaper, turned out to have much fewer actually items covered.

From the pic I would say it is of no immediate concern or danger.

Or am I getting into dangerous territory?

Or am I getting into dangerous territory?

Those landlords "took it upon themselves to learn" and were a danger to society.