The Consumer Behavior course I took in business school is spot on.I discovered my affluenza affliction ("retail therapy" or "when the going gets tough, the tough go shopping") back in the 1990s.

@Andrea Diaz Because of the affordability, great neighborhoods and schools, and good night life, Columbus has attracted a-lot of businesses to setup shop, hence the increase in population over areas like Cincinnati and Cleveland.

Easiest would be to assume the existing policy and then shop around on the backside.

Reagrdless, make sure you have a relationship with an Insurance broker so they can always find the company in your area with the most grace in premium  (At that time) and can re-shop you when they turn for profitiability and go up in rate. 

I am on Maui also and would be happy to connect anytime to talk shop.  

More times than not, the new owners get left holding the bag because it was not discussed when purchasing the property.

They'll be able to shop around and find the best lender to help with your situation.DM if you need their contact info!

Unless you're doing the whole house I'd shop around and see if a local guy can replace the broken ones.

(yes i have watched 100s of YT videos) Property sits on .3 acres with a SF 13,939 also has big barn/shed in the back big enough for work shop and storing vehicle.I have ran comps and other homes that have been recently bought (updated) in the past 6mo sit around the 180k-215k price range. 

As or recent I came across an opportunity from one of my old friends uncle that owns an auto mechanic shop/business(where we have been bringing our cars to for 15+ years) .