I really need to use a property management company.

Does anyone know of any good insurance brokers/companies in the Sacramento area?

People prefer to stay in their comfort zone and avoid exploring the unfamiliar.

Do you find that tenants have much of a preference either way?

However, if you prefer to treat all rental property interests as a single rental real estate activity, you can make an election to do so.

Yes correct, on all of that  Rehab I can do it all built houses all my life,Work for a sewer excavation company currently   sewer mainline needs fixed if I want to flip it $7,000Roof I would redo ($4500) has metal on it now but looks original Vinyl windows ($1500)I haven’t seen inside of it yet, but renters been there 15 years so kitchen remodel $10kAnd then possibly bathroom and flooring.

See the Reno TRIC list of companies.  

I check the SEC, FINRA, ratings websites for inside information on the principals in the company.

Don't be alarmed; many wholesalers will require zero-day due diligence, high non-refundable earnest money, and a quick closing using their preferred attorney.

Team I have a few condos and do have insurance the units are managed by a Property Management Company.