The property insurance make up the majority of dwelling insurance premium so I assume that is the coverage you are most concerned with.

I want to add Umbrella coverage of at least 1m however my insurance company will not do it unless I move my car insurance to them which is A LOT!!!!

It's roughly about $500-$800 per year depending on how much coverage you get.

The primary factors that make up your premium are 1) reconstruction costs 2) fire rating 3) coverage levels on liability, separate structures and various endorsements and somewhere in there ( a black box so to speak) is your credit rating.

If so, add the contents coverage.

I received one quote of $660 for 4 months ($500 deductible and no vandalism window coverage) but that seems very high. 

Hi Ben,Commercial lenders look for deals to meet a minimum debt service coverage ratio, typically between 1.20x-1.25x.

Some if his classes qualify as continuing ed. for JDs, CPAs and RE brokers.Having proper coverage is important, of course, as long as it doesn't become the target in the plaintiff's sights making you lawsuit-bait as they salivate over a hefty award or settlement.Insurance is always about, "Prepare for the worst, but expect the best."

Mortgage brokers have the ability to shop your loan to many different financial institutions, and they may have leads on off market deals and bring them to you.Insurance Agent – An insurance broker will be able to provide you with the proper coverage on your property.

For example, for liability purposes some firms E&O coverage will not apply if an agent lists their own personal property