.- These tend to be "assassin" type shops who are small teams of pretty elite operators, and they aren't bloated down with BS like the big CRBE's etc of the world, so you'll get exposed to more, you'll get exposed sooner, and they will generally be ideally with a niche industry or product type but will often have a ton of satellite deals they get which will get you cross industry exposure. 

Shop with an experienced investment focused broker to get multiple quoted terms!

There's so many carriers still available in Florida - just shop your coverage and it shouldn't crush your margins any more than typical insurance does... maybe others are having worse experiences!

If you want a risk big and win big proposition, that's Grandma Millie's Sewing Shop. 

Reason being, if you're shopping for a new PM, a nicer property with less of a hassle on maintenance will open that pool up.

I'm shopping insurance again this year because my first renewal is in May and Farmers is raising the cost by 30%.

Currently, Tremont and Ohio City are top destinations due to their walkability to shops and restaurants.Keep in mind that if you get approval, you can't have more than 15% of STRs in a building.

From there, narrow down your budget range and then start shopping more seriously.

Hopefully someone from the area can chime in but shopping quotes from reputable and well rated or referred PMs will illustrate a better picture for you.

I personally don't think they are just a shop set up to take 800 bucks from a bunch of people...