I.e. if there were many property losses tied to the carriers property book, the carriers will subsidize the loss leaders with you.I would not advise shopping your insurance every year so as to prevent what we call "market fatigue". 

also what can we do to prevent this next time, our title company closer said next time we should do an escrow agreement, is there anything else i can do to avoid this in the future ?

These guidelines are set-up to prevent fraud.

That should prevent your tenant's tanks from running dry.I believe Devany Oil serves most of the Boston area. 

Learn from your problems to prevent. 

I'm sure you are asking more along the lines of how you could have prevented this or how you can prevent it in the future but it sounds like the handyman messed up when installing the wax ring.

You might want to lean how to perform a title search before spending too much time only to find out he has some baggage preventing him from selling.

That creates air flow which will prevent future mold and prolong the life of the new roof.

Essensially I will purchase my own property but would my DTI, since I’ll be in my moms loan and my own at this point, prevent me from getting cash out during refi? 

They may be able to talk to you about common problems and how to avoid them, as well as your state-specific law.An ounce of prevention is worth a pound of cure!