The rest can be decided based upon a variety of risk factors. 

All of your previous efforts to a variety of departments have been met without any conclusion of any inappropriate actions by us, as your previous agent, or by the insurance carrier involved in investigating the claim.

Does not make it legal though .. and the ones that get complaints against them will have issues of the legal variety. 

I believe that within the next 5-7 years, I will begin transitioning my portfolio to become debt free for a variety of reasons.

There are a variety of factors in position, many moving pieces, that are priming RE to undergo a correction.Some info worth noting:https://www.youtube.com/watch?

Official policy.A few utilities use load limiters, but you generally have to agree to a repayment schedule during the process of getting one and have to actually make an effort to fulfil your commitment to keep it.Despite an operational practice of not disconnecting during winter, SaskPower's Terms of Service indicates they reserve the right to suspend service to any customer for a variety of reasons inclusive of financial arrears.   

I've seen it done a variety of ways.

@Brian Eastman, @Anish Tolia, @Carl Fischer, thank you for your expertise.The Kiplinger article was of the general interest variety.

Scott - Sounds to me like you've got a wide variety of interests and knowledge!

They do a variety of non-traditional policies (vacant, renters, mobile home, etc.), which are generally pretty expensive, but they are easy to work with.