It may sound nice to pay a 6% management fee but the extra fees can add up to be more than the other company that charges 10% with no additional fees.

I believe sometimes a bad experience is more reflective of the individual than the company. 

How would an umbrella policy protect against a security deposit related claim?

Trying to read between the lines it sounds like you have a regular owner occupied homeowners policy in place on a rental property. 

Our main carrier policy converts to vacant dwelling policy at completion for duration of term and can be renewed on case by case basis if unfinished or unsold.  

This is our boilerplate language:Insurance: Tenant should obtain a renters’ policy of insurance on their personal property.

Anyone know of one?  State Farm just told me I have too many houses and have to move on. 

Our actual carriers used to be Secura, but they seem to be getting out of a lot of insurance lines or pricing so high as to have customers drop off, and we just moved policies in Nov. to Hanover Insurance. 

Suncoast is a very big company.  

"I mistakenly had a rental policy instead of a builder’s risk policy."