These scores would vary based on the type of investor (flippers, buy and hold, etc) and different weights would be give to certain variables. 

Then I work the magic with the numbers and in many cases like now, I have 2 different companies that I have insured my portfolio because for some houses, the one that was cheaper for some of the properties when 3x to a SFH so I moved that one to another company.Insurance nowadays are not small money so it makes a difference to get a cheaper one so that you can get a better cashflow.You don't need to sit with them, but call them and you may need to spend an hour or so to get you setup with them.

There are a bunch of different products and programs out there.

As soon as our interests differ though, I'll have side with the developer, who pays me.

It's a huge difference from previous years, but from what we've heard, this is the "return to norm" from before COVID.

Lead free is a different inspection and costs more.

It does sound like our scenarios are different.

CO is definitely moving in the wrong direction in my view with many policies.This is another reason why I am more hesitant on STRs than some of the big cheerleaders out there.STR laws change rapidly, and unpredictable politics can make or break a business.

I have had two different property management companies in San Antonio and they both required to be named as an additional insured or the fees were going to be higher.

They both have their pros and cons and will appeal to different types of people and financial situations.