Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In West Virginia (WV), closings operate under a Non-Judicial (Deed of Trust Trustee Sale) regime (55–85 days-day average timeline) with a 0.57% average property tax rate and $510/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.