In that climate, high IR's and high prices (even high payments) are immaterial. 

Like everyone else has mentioned, I use Safeco for my umbrella but had to adjust my own homeowners policy as well as both vehicles.

Interest Rate: 4.75% fixed for 60 months of initial amortization,NYP + 1.50%, adjusting every 5 years, thereafter;4.75% floor. 15 or 20 year amortizations.Loan Terms: 5/5 ARM with Principal and Interest payments due monthly.

The beauty in it is, it can be adjusted quarterly or annual as you see fit. 

You need to do the same thing an appraiser does - get comps, adjust the comps based on differences with your property and then come up with a value. 

A dear friend of mine is an adjuster who comes across properties as well.

I found it hard to get him to offer the package I put together and after some compromise and adjustment we agreed on an offer that we thought would be resonable. 

For instance the Denver opportunity may be somewhat lower return but it's close to home so should get adjusted to be more favorable.

Measure results and adjust.

I'm not sure there's a general formula to adjust the rule of thumb calculations though, if that's what your looking for.