The Minnesota agent should be able to write the policy BUT they might have guidelines on their rental dwelling policies that require the owner to be local and therefore looking after the property.  

Also technically the rent by the room strategy here wouldn't work either because only 3 (or 4 in the next town over) unrelated adults are allowed to live in a single family dwelling.

9) Just some human-side stuff -- when you cruise properties, be kind.

In a better market you might be able to use those things to get a better deal on commercial insurance but in the current market there won't be flexibility.On personal policies/1-4 unit rental dwelling policies there won't be any flexibility whatsoever unless it's something the company already has built into their guidelines/pricing.

I ran into about every problem and hidden ugly humanly possible.

He is a master at his trade, has fair pricing and is a great human.

I think for now the human element is too important. 

For the cheaper house, I got the dining chairs from the Habitat for Humanity Restore and they are much better: no cushions, no crossbars to break, etc.

The moral decline of humanity indicates it will be used for more evil than good.

We are humans and everything does not have to be rational at all times.