i have E&O insurance but i also wanted to get insurance as a owner/agent seller and insurance if the contractor did a poor job.

Additional Insured adds you as an Insured on the policy meaning you are extended coverage. 

I have been working with insurance brokers to quote insurance for the property.

We manage and own a large number of rental properties and recently discovered significant gaps in our General Liability coverage, specifically related to:• Mold / moisture exclusions• Fungi / bacteria exclusions• Sewer or septic backups• Long-term water intrusion claimsOur current GL policy excludes most of the above, which is concerning given tenant litigation trends.Questions for owners/operators with large portfolios:• How are you insuring against mold/moisture-related bodily injury claims?

Technical Answer: You should always get a copy of their license, liability insurance, and worker's comp insurance.

B) The "Catastrophic" events (heater bursts) driving up your insurance risk profile?

Insurance is an estimate until you get a quote, but a quick call to an agent with the address will give you a realistic number in minutes.

Insurance has risen the fastest. 

I’m operating out of DFW (ground zero for the insurance crisis), and we are seeing a disturbing trend with Class B/C operators.Because insurance premiums have doubled, operators are raising deductibles to $25k or $50k just to make the DSCR work for the loan.   

Is it important to try and project insurance cost in the next 5-10 years and factor in potential climate risks in the area?