The insurance providers I’ve reached out to require me to bring everything (auto, primary and rental) under the same insurance company to get an umbrella policy.

If accident happened (if any)Its really an issue which has to be dealt among tenants themselves, the elderly keeps ringing my doorbell and keeps warning me about filing a police case against my tenant whom she suspects has no driver's license with whom I had no issues for over two years now.

I do builder's risk and landlord policies as well as the traditional homeowners, renters, autos, etc.

Carriers simply can’t survive paying these higher prices without charging more themselves.Litigation is expensive and settlements are rising at an unprecedented rate.ReInsurance (the insurance your insurance carrier buys to help cushion catastrophic loss) is at or approaching capacity in many markets, and rising rates are unsustainable.This is a significant issue affecting the property & casualty industry (home/Landlord and auto), and pricing correction is anticipated at least through 2024.

I am tagging someone that I suspect not only will know, but likely will be able to provide the exact text that allows or does not allow it.having difficult with the tag, hopefully this works (it did not auto fill):@Chris Mason 

Sending bulk texts has been interpreted by the courts as being the same as auto dialing.

Tenants can also turn on auto pay although I’ve found some of my tenants prefer to trigger the payment each month.

@Jesse Patterson  If your good at the car industry you absolutely NUTS to change.. some of my best friends own car dealerships and they ... well they are rich.. end of story you will never be as successful wholesaling as you would be .. being a very sharp auto guy.. build that business you know it .. 10X it.. your absolulty crazy if you think doing RE is easier or more profitable than flipping cars...  

I am a KW agent so I then upload the DNC scrubbed list into Command(that is our CRM) and use Twilio which we have connected to Command to send an auto text campaign to the leads. 

My bundled auto insurance went up 60% to 1600 (0 claims, same reasons).