The payout is based on the cost to repair or rebuild what was damaged, not the total amount listed on the policy.Additionally, to ensure you’re fully covered, carriers require that you carry at least 80% of the property’s replacement cost.

@Matthew Crivelli Obie now works with brokers as well so you can get a quote from Obie and other carriers at the same time. 

It is common since carriers want to be clear who it is that they are actually insuring - it is actually pretty hard to insure a property where the ownership is unclear. 

Speak with the mail carrier, the UPS driver, the local hardware store owner, local real estate brokers, etc. 

(1) 4.0 TON CARRIER SPLIT SYSTEM80% FURNACE HEATER WITH HIGH EFFICIENCY COIL15.0 SEER CONDENSER 410A PURON

If you're going the umbrella route, make sure you have $300k liability coverage on your landlord policy as most umbrella carriers will require that before offering coverage.

If the paper trail shows clear negligence that breached duty and caused the loss, consult a real estate attorney to assess recoverability and costs; if it’s gray or contract-driven, negotiate a settlement through the brokerage’s E&O carrier.

The broker should be able to make recommendations on actual insurance carriers/products.

." - Wayne Gretzky Now more than ever, people are less likely to answer their phone for numbers they don’t recognize.If you think that trend will continue, then it’s worth rethinking how much time and money you invest into cold calling / SMS.Yes, they can work - but it’s a massive numbers game that’s only getting harder with call fatigue, carrier restrictions, and new laws.A better question to ask is:What lead generation strategies can I focus on that will still work five years from now?

We have used several carriers over the years.