Note local rules could be more extreme.  

I'm opening my second home and find them extremely rewarding but think I may stop at these two because I am extremely involved in them and am spreading myself too thin I think. 

Im sure you know that philly is very neighborhood specific and markets are extremely hyper local.

The rep became extremely rude and verbally abusive on a phone call with myself and my agent..

We have reached out to the city and they have provided some information about grants but that seems extremely complex without much chance for success as we would be first timers.My question is what options are out there to help with this situation.

Insurers have become extremely conservative over the last year.

AprilApril: Extremely bummed, almost didn't want to get out of bed.

They are two young professionals with money, they have extremely high demands, they "know already" because they talked to their "xyz professional buddies already." 

Reviewing their product page it does appear the $25/month is base with the marginal $1/unit pricing after that. https://latchel.com/emergency/So more economical as the portfolio grows, though very curious Your XP once repairs are triggered since most after hours calls would be “surge pricing” for any contractor they bring in. in 15 years I’ve only had a few of the stereotypical “after hours broken toilet” calls, but I know that’s highly variable by location and property class.

Also just knowing the area they are in to see if its worth pulling the trigger on.