@Sanju Chand with a property claim, the insurance company can only make payments to the "Named Insured" on the policy. 

Each Habitat Affiliate operates a little differently but let me share my experiences from working with our local affiliates. 1-Land Donation-Land to build on might be acquired by donation from individuals, local city/county or might be bought on the open market.Each local Habitat’s family selection committee selects homeowners based on three criteria: The applicant’s level of need, their willingness to partner with Habitat, their ability to repay a mortgage through an affordable payment plan.As part of their willingness to partner, Habitat’s home buyers invest hundreds of hours of their own sweat equity working alongside volunteers and other Habitat homeowners.2-Habitat Housing tends to be seen as a stabilizing force in the community.

Pit bulls aren't allowed per our insurance policy.  

I combined all my properties into 1 insurance policy. 

From Apartment Association:On January 11, 2018, the California Legislature will vote in Committee to repeal the Costa-Hawkins Act.

I think that is the most important thing, just finding a place that you feel is a really good fit and you like all of their policies and feel you can do well!

The landlord has changed his policies in that regard, so that's another issue to contend with.  

Honesty is the best policy of course but it seems like the state laws make it hard to remain anonymous via mailings.  

It's never been clear to me that anyone has a clue how to consistently predict something as complicated as macro policy and its impact on FX and Interest rates.

Conversely, why is the broker so insistent on his title company, if the seller will now have to pay for a 3K title policy.