It seems like this wall has sort of become a discussion between brokers representing multiple carriers and agents (state farm, farmers, etc) that only represent one company.

And if you're mailing anything but "saturation" - meaning you're mailing the majority of the single family homes on each carrier route - the discounts probably aren't enough to go to the trouble of hiring a lettershop.You can get a postage meter and do first-class presort, which gets you small discounts.

Use an insurance broker that can give you quotes on carriers that have no limits.

I'm looking for a non owner occupied insurance carrier to cover the 5 bed room 3 bath home I am remodeling in cottonwood AZit is set up as a single family dwelling with a addition for a mother in law aptthe city will not allow me yet to be classified as a duplex but for all intensive purposes it is not sub metered sq footage 2864 with arcadia area in middle of homethe purchase was 70k owe about 46k on the property  and it sits across the street from the medical centerall new plumbing, electrical, drywall and heating/cooling unitstill under construction, will need about 30k to complete

But I can imagine a few scenarios in which the LLC can be useful for @Jeff Howard:- Jeff's umbrella carrier denies his claim for whatever reason.- Jeff gets sued personally for something unrelated to his real estate business.  

This is usually a requirement from the PM's insurance carrier. 

I know it's boring legal language but it's really important for you to understand how the policy is triggered and how the carrier can avoid getting involved.Best of luck with everything!

As you mentioned, there are several carriers which will cap the number of properties, or have similar measures, which often make things difficult for RE Investors and the Like. 

a new trend is taking place on the licensure of rentals and this has come from so many suits being filed against the owners of these properties which have turned liability onto the county or city now-the number one hot topic gaining leverage onto rentals is the NFPA- national fire protection agency-the cities and counties are really looking into the code increases and the tightening up of accountability that is placed on the owner- for years the building division in most areas were there to do inspections and make sure dwellings were up to code requirements, the new turn is this is being handed over to insurance carriers and they are really sharpening there pencils and going above the code minimums- owners will have to pay for a regulator agent ie.. insurance underwriter to perform the inspections before licensing the dwelling as a rental- getting rid of the home inspector businesses enjoy

I haven't found deals that are any better than what I can get from the regular carriers; I am in Tennessee.