Rather than focus solely on the insurance company (in this case Farmers) I would strongly recommend speaking with an Independent Agent (not Farmers, State Farm, Allstate, etc.) that has access to multiple insurance providers. 

Originally posted by @Jeff Mason:@Wes Short I work for BellesLink, one of the other companies on your original list.

Like Brock noted, companies, even credit ones, run into problems from time to time.  

They have low loss ratios with high risk declination rates as to not be like all of the other insurtech companies that come out way too competetive and then renew at WAY TOO high rates and then slowly become insolvent from loss of clients.

What software or companies would you recommend for tenant screening (background check, credit check, eviction history)Thank you!

We've also gone through three different STR management companies and are very happy with who we are with now.Let me know if i can help you any. 

If you’re lucky your insurance company will go after them for you (as they caused the loss) and reimburse your deductible.

This go around I used a bigger company for this inspection here in Cincy and it was hard to get a straight answer, but I understand from a liability aspect.With the foundation, it was noted that it was in good order in the report.

This is called getting a loan, and you'll need to pay them back over time.Sometimes, there are special helpers called banks or mortgage companies that can lend you the money to buy a home, and you can pay them back a little bit each month.

I own a storm restoration company where most of my work is sub-contracted through Pro Exteriors LLC in Richardson, TX.