This often forces a landlord to put utilities in their name to protect their property (think winter, no heat, frozen pipes).

I went with Indianapolis area because I used to live there (moved back to CA, don't like winters) so I knew the market.

Maybe someone can help me understandThis is just missing the forest for the trees.

What about utilities when you have a vacancy in the winter and don't want the pipes to freeze?

(i) The term "Insured" also includes(A) successors to the Title of the Insured by operation of law as distinguished from purchase, including heirs,devisees, survivors, personal representatives, or next of kin;(B) successors to an Insured by dissolution, merger, consolidation, distribution, or reorganization;(C) successors to an Insured by its conversion to another kind of Entity;(D) a grantee of an Insured under a deed delivered without payment of actual valuable considerationconveying the Title(1) if the stock, shares, memberships, or other equity interests of the grantee are wholly-owned by thenamed Insured,(2) if the grantee wholly owns the named Insured,(3) if the grantee is wholly-owned by an affiliated Entity of the named Insured, provided the affiliatedEntity and the named Insured are both wholly-owned by the same person or Entity, or(4) if the grantee is a trustee or beneficiary of a trust created by a written instrument established by theInsured named in Schedule A for estate planning purposes.

Quote from @Mary Winter: Hello BP community, I am really anxious about the current situation in my rental in FL.  

My winter guests in Florida are almost all through VRBO, probably because I have older people who book far in advance, and the older folks seem to be on that OTA while the younger set are more likely to be on AirBnb and are more last-minute bookings (for me and my properties).

The winters aren't as harsh down here and the price points/landlord laws are also friendly but I've heard great things about Ohio! 

It only took 1 week.While reroofing:Half way:I finished just on time, a week before winter.

One of our property is in Raleigh and the other is in Wake Forest.