Homeowner's insurance on a rental house

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Do you bundle your rental properties homeowner's insurance with your personal policies?  Why or why not?  I was thinking it would be better to have each house be on its own, to make it easier for my CPA.  Thanks for your thoughts!

[Lisa Doud]

I am roughly managing about 200 rental units, and 90% of the time my owners call me and I explain that they need to get a landlords policy before they rent the property, and most of them say what are you talking about....  When they go to the big guys they try to over sell you and will not bundle properties together because they have a cookie cutter mold, which is usually your personal property + 2 or 3 rentals and then the cut you off on how many they will insure for you.  

Also because most people don't know how much a landlord policy should be when it is only $5 cheaper they agree to it before they even shop around.  I always tell my owners that your insurance carrier should drop your rate at least 25% because you are only insuring the physical structure of the property, and your appliances.  Remember Homeowner's policies cover Personal property..... That is why you should see that reduction in the rate and if it is not at least 25% less than an homeowner's policy you need to shop around.  

Just for FYI before we went to our single policy for our properties we had Allstate on our personal property + 3 SF rentals, Nationwide on the 2 6 units, Farmers on our triplex, state farm on 2sf and 2 Townhouses.   When we tried to purchase our last building my office, State Farm couldn't help us because they had their max liability quota meet with us.  So that is when we had to come up with the drawing board.  Now all I do is add a new property to my policy and it  no problem, just give the specifics of the property, and it is there no questions....