--24.50.x.xx

Dee, there are several of our website visitors who use the Insurance Company, which is one of the sponsors of this site. They will do what they say. They may be able to help you. Go to MrLandlordInsurance.com for a free quote or call the number on their page and ask them questions to see if they are saying what you want to hear. --75.202.xxx.xxx

There must be other options, you just don't know what they are yet. In my state we have some of the strictest insurance rules (because of the hurricanes) but the only time I've ever been asked for photos of the inside of a property was when I had the Federal Pacific panel in the garage replaced. Other than that they only require a photo of the front and rear of the house at the time the policy is started. If there is something on the exterior they don't like (a broken, boarded up slider at one house) they will give me X number of days from the time the policy starts to get it replaced. --50.89.xxx.xxx

We have Safeco. Lowered my premiums $1000.00 per property, did not go up 2nd yr. I have full replacement coverage --69.118.x.xxx

Usually interior pics seem to be from the basement (panels, furnace, etc.) and maybe a roof inspection. Only actions I've been asked to take are related to stair railings. They're also probably checking out the landlord and his/her operation as well, trying to do a bit of underwriting that way. If it keeps riskier landlords out of my insurance pool I'm also for that. --128.252.xx.xxx

Self-insure, ie cancel the insurance. --64.12.xxx.xx

@ Rick, how does one self-insure, sounds risky --69.118.x.xxx

Feeding the Monster..... --24.236.xxx.xx

Up until last week, I could if referred you to my agent of over 10 years. I was his top customer , as he told me several times, due to the number of policies I have with him. Well, he decided to work me over on a renewal. Not only does he lose my business, he loses all the referrals I would of given him in the future. I hope it was worth the extra 100, all because he didnt fillow to my written instructions. --66.169.xxx.xxx

he owns rentals. I own rentals. he has taken care of my business, and personal lines, for 20 years. I shop around every year. --97.94.xxx.xxx

I tried to change insurance companies last February and had the same issues. It seems that underwriting these policies has shifted and unless you are bringing lots of properties to them and kissing them special, they are going to run you through the wringer and request pictures inside and outside and have many problems. I have over a dozen properties all under 25 years old for over 15 years without EVER having a claim and all I get is grief and raising prices. No, I do not want the same insurance guy for my home and cars and this and that and my LLCs with rentals. I want separation, they want money! Lots and lots of money! For example, never had a claim, lots of properties in different LLC's, each SFH is worth about $100k and a landlord policy is $1,000 per house! REALLY?!!! Oops, just found out, price is going up again on the next renewal. 10 yrs ago they were about $400-$500. I'm feeling squeezed from every side! --99.132.xxx.xx

not sure why any legitimate LL would have a problem with ins. co. verifying the properties. i have never had a problem. Gary. you are in IN. that probably explains the problem. --97.94.xxx.xxx

Does the carrier charge extra for a property held in an LLC? Here in Florida there don't seem to be many carriers that will even write the policy for an LLC and the ones that do charge almost double the premium that you would pay for owning in your own name. --50.89.xxx.xxx

My agent was apologetic but apparently they are real PITAs today. --50.129.x.xxx

Pound rich and penny foolish -- she saved $5,000 and cost her over $1.6 million. --98.119.x.xxx

--173.141.xx.xx