Insurance typically covers only the directly damaged area, not undamaged flooring, even if it's continuous.

It's even worse for landlords "The company is also asking for rate hikes of 38% for rental dwellings and 15% for tenants, with the rates taking effect May 1."

But I need a portal where I can do the following -Customize the tenant application  ( Cozy does not  allow me to customize)- Have tenant Upload Pay stubs, DL, etc. 

Another is they customize the property to their liking only.

What should I look out for while writing my contracts and explaining them to customers?

I have been working on customers homes doing painting and renovation for years. 

Push customers away via excessive biases towards conservatism?

Insurance right now is wild, so I'd get a solid broker on your team - I'd be happy to share my contact if that would help.Also, aren't most of the existing insurances shared on the OMs for the properties? 

As a contractor I had to work for money, be at the mercy of the customer, jobs and timelines never seemed to go as planned, only to pay tax on the money I worked for.

We only disagree on what is basically a customer service issue.