Hi Grace,I think the disconnect might be other thinking you are a seasoned investor versus a homeowner who might have limited experience in such matters asking for help.Grace insurance carriers by nature say they are here to help to write policies but really it is to make money.Many deny claims even if valid or not knowing some people will just give up.

So naturally I am wondering what might have happened!

After they gut the corruption there, the investors who picked things up for pennies on the dollar will turn the spigot back on and collectively grow their investments.People from outside the area don't necessarily realize the nature and geography of the region, how massive it is, and how distinctly separated the different cities are economically, even though they can border each other.

(Cheap way in place of nature's eradactor) as I've read that the enzymes in PERISIL effectively kill all life stages (contract killer) but still Im seriously so close to becoming insane its really bad how much it has affected my mind.

In General : As a Single Family Dwelling you would need the Full HomeOwner's Policy as all is on you, looking perhaps at higher than normal Liability coverage due to the business nature and Specific Coverage on use as an "Income Property"!

However, this property is on a highly desirable historic street that is closer to the university, with naturally higher prices for all property types.

Hopefully that will keep you feeling warm & fuzzy the next time the price of natural gas spikes.

Let me see if I can help clear up some of the confusion.There are basically two types of insurance where real estate is concerned: mortgage and property insurance.Mortgage insurance is required when you put less than 20% down to get a loan.Property insurance covers you for natural disasters, injuries or accidents.

If that is in your nature then there is a place for you helping run HOAs.

Don't let a crappy person get the best of you so much that it ruins your attitude & co-op nature.