Here are some recommendations for you:Find and connect with other BP members that are in your area: https://www.biggerpockets.com/search/usersSet up keyword alerts to be notified of the topics that interest you: http://www.biggerpockets.com/alertsRead Beginner’s Guide: http://www.biggerpockets.com/real-estate-investingIf you wish to tag someone in the conversation on the forum, type @ followed by their name and then select the name of that person which should appear below the comments box.

There are a group of us that meet every month in Delray Beach to discuss topics just like this.

This is a frequently discussed topic with tons of opinions, but there doesn’t seem to be a firm “right answer”.

Here are some recommendations for you:Find and connect with other BP members that are in your area: https://www.biggerpockets.com/search/usersSet up keyword alerts to be notified of the topics that interest you: http://www.biggerpockets.com/alertsRead Beginner’s Guide: http://www.biggerpockets.com/real-estate-investingIf you wish to tag someone in the conversation on the forum, type @ followed by their name and then select the name of that person which should appear below the comments box.

@Ruben Kanya this is already a topic of discussion.

And this topic is a great example of why. 

.#5 - Just because people advertise or present themselves or I misjudge them as experts on a certain topic, the reality is they might not be an expert at all, and taking their advice may have serious adverse consequences.

It would be great and save us a lot of time if we could search the Forums by a very specific Subject or Topic since there are so many posts and Forums on BP.  

One topic about wisely. 

Awesome opinions so far; can't wait to read more since insurance is an odd topic among investors I've found.