Anything less than that when actually renting the units is just bonus, or can pad your reserves. 

Id say the largest subjective benefit is early exposure to deals. 

At least in AZ.Having access to the tools agents have is a big bonus since it allows you to move faster than a normal investor who'd have to wait for their agent to show them a property or if they have to continually ask they agent questions and wait for responses.

Cashed in on 70,000 bonus points.

As to the why of what you're dealing with - a lot of insurance companies are doing this because roofs over 15 years of age in Florida are highly susceptible to wind damage because of the brittleness in asphalt shingles that's caused by long term sun exposure.   

I often break it down in four pillars: the first pillar is a good insurance policy as that cover the majority of your exposure.

When I work with clients I break down (1) their current exposure and (2) their future investment goals.

The first pillar is a good insurance policy as that cover the majority of your exposure.

There are some ways that I have been able to find my clients deals such as seeing bonus living areas that is not legally advertised as a unit for example.

A friend of mine used it here in small-town Wyoming and was amazed at how much exposure it gave his rentals.The software will also help you screen tenants, track rent, contact information, maintenance, and much more.