Also it depends on what KP is bringing to the table and to what extend: experience (how many years, is it directly related); balance sheet (full vs partial deal coverage), as well as whether they are going to be handling anything or much in a deal.

Home Details: 75208 / 3 bed 2.5 bath / 1912 sqft / Primary Coverage Limit - $310,000.00 / Completely rebuilt in 2020 (all new roof, systems etc)Thanks!

I've since learned that the insurance policy I was setup with (through Lloyd's of London) is not good coverage and there were significant policy changes made on the first year of renewal that were not communicated to me by Ross and I am only just now finding out about them while going through a claim and getting less coverage than I expected.  

If you decide to buy in these areas, understand the risk involved and be prepared to write it off if you get unlucky.In lower risk lava zones, getting coverage isn't nearly so difficult or expensive with standard homeowners insurance.

Hello Jennifer, reach out to an independent agent in Ohio and they can help you get the best coverage for what you're needing.  

I saw some articles saying depending on your lava zone, it can be very difficult to find coverage.

The #1 claim currently being filed is technology related, email being hacked for instance, and most do not have technology coverage on their policies.

I'm trying to be extra cautious incase something happens at my rental in which I would need more coverage.

Most real estate brokerage offices do have Errors & Ommissions (E&O) Insurance to protect against mistakes &  neglect, but NOT fraud.A good property management company (PMC) will have the same E&O insurance coverage. 

Not everyone in the insurance world does.3) Ask what the different levels of coverage they provide.