@Brandon Leong my experience when getting insurance is my insurance broker tells me what the coverage is based on several factors that I give to get a quote (I've gotten quotes for SFR and quads):1-how far from fire hydrant and fire station (she figures this out for herself since I give her the address)2-roof age and here in Florida, wind mitigation3-age of property4-is it in a flood zone5-she does a minimum mandatory coverage amount and then I tell her how much more in $$$ I want covered. this is based on how much will it cost to rebuild.6-the rental loss is included so I don't need to ask about that - at least for me it is, not sure if others have to ask for it to be included.7-what type of electrical and plumbing are in the house if it's an older home.Perhaps talk to a insurance broker and tell them what you have and ask them for a quote.

When I Google the name, the address shown on the property appraiser's report differs from what came up via Google.  

If they have utilities on or receive mail at the address it's a rock solid case for them to show they are "tenants" even if they don't pay rent or have a lease.   

I'm guessing you have a clause in the contract to address this.

I'd like to use the company's lease to avoid confusion for tenants, but it's got their name and company address all over it. how do I go about changing over leases especially with a co signer requirement?

I'd like to use the company's lease to avoid confusion for tenants, but it's got their name and company address all over it. how do I go about changing over leases especially with a co signer requirement?

If you don't have the property locked up, then you shouldn't be giving anyone the address anyway.  

I've been accumulating some addresses and am working on getting the background info on them.

This when you go through full underwriting with the address at TBD.

@Cheryl PepperIf you pm me the address, or even a general cross street, I will see if I can find some recent sales or other information for you.