My experience, independent agents write cheaper better auto polices, direct writers/ captive agents, cheaper better fire insurance.

We collect the oil from lube shops, auto repair shops, etc. we bring it back and store it in our tanks.

Most MLS auto searches are set up at even or rounded numbers.

Tradelines still work, I bought a 3 tradeline package in February and was able to refinance my auto loan at a rate of 3.99%.

Macroeconomic factors could impact Ypsi, especially since it is (I assume) heavily dependent on auto manufacturing. 

Frequently when I get a reservation from either vrbo or Airbnb, there’s a few hours before my auto sync catches it, leaving that window open to double booking via the other platform.

Ask for 12 months of proof of rent payments "on time". 12 months of phone bill payments, 12 months of water bill payments, 12 months of electric payments, tuition payments on time, auto insurance payments, etc.

Tenant get's an auto email, but no needs for calls and explanations. 

I know that spouse or even children are responsible for any credit card or auto loans/ revolving debt.

The umbrella policy you can ask your insurance agent that does your primary auto and home.