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As a commercial property manager of both boston and florida properties, just be happy you don't have a place in florida.
We require tenants to pay their portion of insurance and in some cases down south insurance has gone up so high that it is edging out rental prices and screwing up the balance. Tenants then complain to us for being the mean landlord when we have to reduce projected rents just to keep our space occupied. Its a load of BS.
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