They hire the lowest-priced technician possible to maintain their spread and they'll deny coverage as often as possible.I'm a REALTOR and recommend against them.

You should check with your Homeowners agent and make sure they will continue to write coverage on a homeowners form for you. 

Hi @David Hayes, I use Foremost for coverage on my STRs and for my 3 bed/3 bath townhouse in Lake Tahoe I pay $1267/year.   

If you're looking at an investment property, another option is to take a look the debt-service coverage ratio loans.

@Jack Martin Thank you for such a comprehensive response.

Dorothy,There are several possible explainations:- As Michael Norris mentioned, Replacement Cost (RC) coverage pays first at Actual Cash   Value (RC - deprecation).  

The seller advertising an 8.5 and buyer calculating a 7.6 is actually a pretty narrow spread.If you are using commercial financing for all 12 units, rather than multiple conventional mortgages, your lender will actually care much more about the debt service coverage ratio that anything else.

Had you been notified by the city or a neighbor of issues with the tree prior to the incident, there may have been some liability... but that is still rare.The owner of the vehicle should file an insurance claim under the comprehensive coverage of their auto policy. 

Do you think thats sufficient coverage? 

Every carrier that I have talked with have dwelling coverage with liability and medical payout coverage.