., seating will be at a premium, unless things have changed in the last two years since I was last there.A couple of alternatives:Vintner's Cellar 10 Barrel BrewingBrix TavernObviously, there are many more, but these three should provide us with seating and a noise level that will allow for conversation.I'll go with the majority.

What you really want (and should pay a premium for if necessary) is a choke-able neck. 

An amazing contractor, whether or not they are held at arms length as a hired hand, or as a partner, is going to cost a premium.  

Also keep in mind that the policy you do finally get will have a higher premium due to the recent claim on the property.Also keep in mind for the future, that you need to really weigh the benefits of filing an insurance claim.

@Daniel Kenney  Generally speaking PG's are worthless in these deals.. if the people borrowing the money were that strong personally they would in most instances be borrowing from a bank ,, or insurance company etc.. they would not be paying premium rates for these deals.. 

In Deleware are insurance premiums operate on an open market, or are the rates set by the state as they are in some places.

But the downside with my policy is losing my premium every month. ----  Recently, my agent told me about Return on Premium (ROP).  

The auction method of selling is a great way to sell and realize the equity profit you've created and earning a commission (we call it Buyer's Premium) at the same time.One of my Auctioneer Associates, last month, contracted (using a skinny contract) a bar and building in a bad neighborhood for $60,000, we advertised it for 4 weeks, it sold in competitive bid auction for $170,000.

Their Insurance premiums alone were $93k.

They don't cost you anything and their commission is built into the premium.