So that caused me to have a little bit of PTSD so when your job hires you that knowing that you can't go back onto the carrier and then tells you, you either go back to the carrier, or you will be terminated what do you do?

Not sure your insurance carrier or lawyer would be happy, but it’s clearly an under-served marketMaybe have all tenants sign waivers that release liability.

Have you shopped around for another insurance carrier? 

Now I’m researching which carrier to ship my car with.

Even insurance is a variable since there are difference in carriers, risk profiles, and portfolio size. 

In basically the same way that an insurance carrier with really cost effective insurance can still afford to pay out the $1m claims.

Another number used for filling out forms, used for "throw away" purposes - for my second number I use the phone number to retrieve calls for my cell phone carrier.

And since there's such a shortage of workers, the part time employee has the opportunity to learn other routes and cover that carrier's day off, sometimes working 6 days a week if they want.

This is why a lot of investors will recruit postal carriers, UPS drivers, Uber drivers, and the like to help them prospect for deals. 

I just wrote one in CT that one of our carriers for $400,000 RC was $100 less than the next best rate which was based on $110,000 ACV for the same property.The second item that was confusing is what the payout will be.