Niron Noble | Insurance Tracker

💰 Total Monthly · All Active

$5,574.54

Divando $2,885.83 + Donald $1,210.84 + Yale $1,024.54 + Dorado $453.33
Memphis TN — verify status

📅 Next Renewals Coming Up

Sep 20, 2026

Donald LLC (Westfield Superior)
Nov 6, 2026 — Dorado (Berkshire Hathaway)
Dec 15, 2026 — Divando SFRs (State Farm)
Feb 22, 2027 — Yale (Acuity)

🏘️ Properties / Units Covered

35+

CO SFRs: 13 · Donald duplexes: 8 units · Yale: 5 units
Fourplex: 4 units · FL: 5 · TN: 2 ⚠️ verify

Monthly Cost by LLC / Portfolio

Divando — CO SFRs

$2,885.83/mo

State Farm · Kevin Schult 303-989-3847
13 SFRs · SFPP auto-draft
Dec 15, 2025 → Dec 15, 2026

Donald — 4 Duplexes

$1,210.84/mo

Westfield Superior · 499841Y
Donald acct · 2nd of month
Sep 20, 2025 → Sep 20, 2026

Yale — Townhomes

$1,024.54/mo

Acuity · Policy ZM1786-01
CRS Insurance / Nathan Fonseca
Feb 22, 2026 → Feb 22, 2027

Dorado — Fourplex

$453.33/mo

Berkshire Hathaway · 1460 W 41st
IMA Select 303-534-4567
Nov 6, 2025 → Nov 6, 2026

Memphis TN

⚠️ Verify Status

Fortegra expired ~mid-2024
Roxana Rios 901-321-1124
Confirm if renewed or sold

Renewal Calendar — All Policies

Status Overview

Divando CO SFRs

State Farm · 13 props · Kevin Schult (303) 989-3847 · Blackhawk Dec 4 ⚠️

Dec 15, 2025 → Dec 15, 2026

ACTIVE

Donald — 4 Duplexes

Westfield Superior · 499841Y · Wren Arbuthnot 970-668-3500 · $14,530/yr

Sep 20 → Sep 20, 2026

ACTIVE

Yale — Townhomes

Acuity · ZM1786-01 · CRS Insurance / Nathan Fonseca · $11,248/yr

Feb 22, 2026 → Feb 22, 2027

ACTIVE

Dorado Fourplex

Berkshire Hathaway 02PRM080318-06 · IMA Select 303-534-4567 · $5,440/yr

Nov 6, 2025 → Nov 6, 2026

ACTIVE

Memphis TN

Fortegra Specialty · 2 props · Last contact Roxana Rios 901-321-1124

Last: mid-2024

VERIFY

Divando CO

Westfield / State Farm (Kevin Schult 303-989-3847) canceled Sep 20, 2025

Dec 2024 → Dec 2025

EXPIRED

Action Items

Dorado → Divando Transfer

$138/month for Jamaica St + Enid Way share in Divando policy. End manually Dec 2026.

Memphis TN

Fortegra expired mid-2024. Confirm if properties still owned and if new coverage was issued.

Policy Documents

📁 Upload all PDFs to Drive folder →
One folder per policy, drag PDF in

Dorado — BH Renewal Nov 2026

Call IMA Select by Oct 2026 to get renewal quote. Compare with previous years' premiums.

✏️ Current Policy Renewal Card — Update Each Year

Carrier

State Farm Fire & Casualty Company

Policy Period

Dec 15, 2025 → Dec 15, 2026

Payment Plan

State Farm Payment Plan (SFPP)

Annual Premium (13 props)

$34,630

Monthly Payment

$2,885.83

Deductible

1% of building value per property

Payment Source

Auto-draft Divando acct · 2nd of month

Agent

Kevin Schult Ins Agency Inc

Agent Phone

(303) 989-3847 · (303) 989-3849

Agent Email

kevin.schult.l4wu@statefarm.com

Medical Payments

$1,000 per person

Loss of Rents

Actual Loss Sustained

Last Updated

Apr 2026

Notes

13 SFRs — 11 Divando owned, 2 Dorado owned (Jamaica + Enid). Dorado credits $138/mo back to Divando. Stop Dec 2026.

📎 Policy Documents — Paste Dropbox Link

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Click "Start Renewal" first — archives current numbers before you enter new ones.

13 SFRs — State Farm Coverage Detail 2025–2026

Address	Policy #	Period	Building	Dwelling Ext.	Personal Prop	Deductible (1%)	Annual	Notes
1724 Boston St, Aurora CO 80010	96-E4-G680-1	Dec 15, 2025–2026	$331,200	$39,500	$49,680	$3,312	$2,364	Liability $500K/$1M
2332 Oakland St, Aurora CO 80010	96-E4-G665-0	Dec 15, 2025–2026	$420,100	$42,010	$63,015	$4,201	$2,612
2397 Jamaica St, Aurora CO 80010 [DORADO]	96-E4-G683-7	Dec 15, 2025–2026	$378,800	$37,880	$56,820	$3,788	$2,425	Dorado→Divando $138/mo. Stop Dec 2026.
3225 Tucson St, Aurora CO 80011	96-E4-G667-4	Dec 15, 2025–2026	$336,400	$33,640	$50,460	$3,364	$2,255
3630 Holly St, Denver CO 80207	96-E4-G670-0	Dec 15, 2025–2026	$444,800	$44,480	$66,720	$4,448	$2,693
4641 Enid Way, Denver CO 80239 [DORADO]	96-E4-G684-9	Dec 15, 2025–2026	$361,100	$36,110	$54,165	$3,611	$2,528	Dorado→Divando $138/mo. Stop Dec 2026.
4776 Blackhawk Way, Denver CO 80239	96-E4-G672-4	Dec 15, 2025–2026	$525,500	$52,550	$78,825	$5,255	$3,320
5101 Crown Blvd, Denver CO 80239	96-E4-G673-6	Dec 15, 2025–2026	$397,100	$39,710	$59,565	$3,971	$2,702
5538 Dearborn St, Denver CO 80239	96-E4-G675-1	Dec 15, 2025–2026	$417,300	$41,730	$62,595	$4,173	$2,610
11795 E Virginia Dr, Aurora CO 80012	96-E4-G678-7	Dec 15, 2025–2026	$378,800	$37,880	$56,820	$3,788	$2,443
14790 E 43rd Ave, Denver CO 80239	96-E4-G677-5	Dec 15, 2025–2026	$384,500	$38,450	$57,675	$3,845	$2,642
15559 E Bates Ave, Aurora CO 80013	96-E4-G679-9	Dec 15, 2025–2026	$393,400	$39,340	$59,010	$3,934	$2,507	Revised PDF pending from agent
15655 E 13th Ave, Aurora CO 80011	96-E4-G681-3	Dec 15, 2025–2026	$618,900	$61,890	$92,835	$6,189	$3,529
TOTAL — 13 Properties · Kevin Schult (303) 989-3847							$34,630/yr · $2,885.83/mo

Premium History — CO SFR Portfolio

Period	Carrier	Annual Premium	Monthly	Notes
Dec 15, 2025 → Dec 15, 2026	State Farm (Kevin Schult)	$34,630	$2,885.83	SFPP auto-draft · 13 individual policies
Dec 15, 2024 → Dec 15, 2025	State Farm (Kevin Schult)	$31,729	$2,644.10	Divando $1,581 + Donald $1,063 split. Ended Sep 20, 2025.

Memphis TN (Divando) — ⚠️ Verify

Address	Carrier	Policy #	Last Period	Premium	Status	Contact
6580 Stockport Dr, Memphis TN 38141	Fortegra Specialty	#GAIP1052582	6/18/23 → 6/18/24	$1,095.92	EXPIRED	Roxana Rios · 714-379-0163
3899 Joest Dr, Memphis TN 38127	Fortegra Specialty	#OSCESIN02	4/12/23 → 4/12/24	$534.29	EXPIRED	Roxana Rios · 901-321-1124

✏️ Fourplex Renewal Card — 1460 W. 41st Ave, Denver CO 80211

Carrier

Berkshire Hathaway Homestate

Policy Number (Current)

02PRM080318-06

Policy Number (Expiring)

02PRM080318-05

Policy Period

Nov 6, 2025 → Nov 6, 2026

Annual Premium

$5,440

Monthly Payment

$453.33

Payment Source

Dorado LLC debit card · auto-drafted monthly

Building Coverage

$775,000

Business Income

$60,600

Deductible — Standard

$2,500

Deductible — Wind/Hail

$15,500

Prop Premium

$5,070

Liability Premium

$370

Liability Limits

$1M each occ · $2M aggregate
Fire Legal: $100K · Med: $5K

Agent

Hannah Burford — IMA Select, LLC
1705 17th St Ste 100, Denver CO

Mortgagees

ANB Bank ISAOA
Collegiate Peaks Bank · Div of Glacier Bank

Agent Phone / Email

Office: (303) 534-4567
Direct: (303) 615-7840
hannah.burford@imacorp.com

Billing Account #

240311

Billing Services

1-877-680-2442
billing@bhhomestate.com

Last Updated

Apr 2026 — verified from Gemini extract

Notes

Recurring monthly. Cancel ≥3 days before due. Wind/Hail deductible $15,500 — note for claims.

📎 Policy Document — Paste Dropbox Link

Paste Dropbox link here...

Click "Start Renewal" first — archives current numbers before you enter new ones. Never loses old data.

Payment Schedule — Current Policy (02PRM080318-06)

Due Date	Amount	Status
10/06/2025	$453.67 (first month)	Paid
11/06/2025	$453.33	Paid
12/06/2025	$453.33	Paid
01/06/2026	$453.33	Paid
02/06/2026	$453.33	Paid
03/06/2026	$453.33	Paid
04/06/2026	$453.33	Paid
05/06/2026	$453.33	UPCOMING
06/06/2026	$453.33	FUTURE
07/06/2026	$453.33	FUTURE
08/06/2026	$453.33	FUTURE
09/06/2026	$453.33	FUTURE
Annual Total	$5,440

Fourplex Premium History (All Years)

Period	Carrier	Policy #	Building	Deductible	Annual	Monthly	YoY
Nov 2025 → Nov 2026	Berkshire Hathaway	02PRM080318-06	$775,000	$2,500	$5,440	$453.33	+2.5%
Nov 2024 → Nov 2025	Berkshire Hathaway	02PRM080318-05	$775,000	$2,500	$5,309	$442.39	—
Nov 2023 → Nov 2024	Berkshire Hathaway	02PRM080318-04	$775,000	$2,500	$5,309	$442.39	—
Nov 2022 → Nov 2023	IMA Berkshire Hathaway	02PRM080318-03	$775,000	$2,500	~$5,200	—	—

Dorado SFRs Covered Under Divando State Farm Policy

Address	Policy #	Carrier	Building	Annual	Deductible	Transfer Note
2397 Jamaica St, Aurora CO 80010	96-E4-G683-7	State Farm	$378,800	$2,425	$3,788 (1%)	Dorado pays Divando $138/mo. Stop Dec 2026.
4641 Enid Way, Denver CO 80239	96-E4-G684-9	State Farm	$361,100	$2,528	$3,611 (1%)	Dorado pays Divando $138/mo. Stop Dec 2026.

✏️ Donald LLC — 4 Duplexes · Renewal Card

Named Insured

5070 E Donald Ave Denver LLC

Carrier

Westfield Superior Insurance

Policy Number

499841Y

Policy Period

Sep 20, 2025 → Sep 20, 2026

Annual Premium

$14,530

Property Premium

$13,500

Liability Premium

$1,028

CO Hazard Fee

$2.00

Monthly Payment

$1,210.84

Payment Source

Donald LLC account · 2nd of month

Coverage / Duplex

$1,125,500 ($562,750 × 2 units)

Business Income

$15,000/building · 60-day

Ordinance / Law

$225,000 (B/C combined)

Liability

$2M each occ · $4M aggregate
Products $4M · Premises Rented $1M
Medical: Excluded

Deductible — Standard

$10,000

Deductible — Biz Personal Prop

$1,000

Deductible — Wind/Hail

$0 — not applicable

Deductible — Crime

$500 per occurrence

Deductible — Valuable Papers

$500

Crime Limits

Employee Theft $25K · Forgery $25K
Inside Premises $25K · Outside $25K
Money Orders $2,500

Accounts Receivable

$100,000

Mortgageholder

CBRE Loan Services Inc

Additional Insured

Laureate LTD

Excess Liability

Rejected

Agent

Wren Arbuthnot
Arrow Insurance Management Inc
PO Box 5000, Frisco CO 80443

Agent Phone / Email

970-668-3500
warbuthnot@arrowinsurance.net

Billing Account #

6000129933

Exclusions

Virus/Bacteria · Cannabis · Cyber
Asbestos · Professional Liability

Last Updated

Apr 2026 — verified from Gemini

Notes

Annual paper invoice. Monthly $1,210.84 drafted from Donald acct on 2nd.

📎 Policy Document — Paste Dropbox Link

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Click "Start Renewal" first — archives current numbers before entering new ones.

4 Duplexes — Coverage Detail

Duplex	Unit Addresses	Per Building	Per Duplex	Biz Income	Std Deductible
Duplex 1	5060 & 5062 E Donald Ave, Denver CO 80222	$562,750 × 2	$1,125,500	$15,000	$10,000
Duplex 2	5064 & 5066 E Donald Ave, Denver CO 80222	$562,750 × 2	$1,125,500	$15,000	$10,000
Duplex 3	5070 & 5072 E Donald Ave, Denver CO 80222	$562,750 × 2	$1,125,500	$15,000	$10,000
Duplex 4	5080 & 5082 E Donald Ave, Denver CO 80222	$562,750 × 2	$1,125,500	$15,000	$10,000
TOTAL — 4 Duplexes / 8 Units		$4,502,000	$4,502,000	$60,000

Premium History

Period	Carrier	Policy #	Annual	Monthly	Notes
Sep 2025 → Sep 2026	Westfield Superior	499841Y	$14,530	$1,210.84	Donald acct · 2nd of month
Sep 2024 → Sep 2025	State Farm (Kevin Schult)	—	—	$1,062.66	Donald's share of split Divando policy

✏️ Yale LLC — 2991-2999 W Yale Ave · Renewal Card

Named Insured

Yale Townhomes LLC

Carrier

Acuity, A Mutual Insurance Company

Policy Number

ZM1786-01

Policy Period

Feb 22, 2026 → Feb 22, 2027

Property Address

2991-2999 W Yale Ave, Denver CO

Building Coverage

$1,900,799

Personal Property

$65,862

Annual Premium

$11,248

Monthly Payment

$1,024.54 (11-pay · $1,024.56 down)

Payment Source

Yale LLC dedicated acct · debit card · 24th of month

Deductible — Standard

$5,000

Deductible — Wind/Hail

2% per building

Liability (Bis-Pak)

$1M each occ · $3M aggregate
Products $3M · Premises Rented $300K
Medical $10K per person

Liability (Excess)

$2M each occ · $2M aggregate
Products $2M · Hired/Nonowned Auto incl.

Additional Named Insureds

Nir Shay · Ron Moscovich

Agent

CRS Insurance Brokerage
Nathan Michael Fonseca · Agency #7118-BL

Endorsements

Acuity Property — Platinum
Acuity Liability — Gold
Equipment Breakdown · Terrorism $353
Roof cosmetic damage excluded

Last Updated

Apr 2026 — verified from Gemini

Notes

—

📎 Policy Document — Paste Dropbox Link

Paste Dropbox link here...

Next renewal: Feb 22, 2027 — contact CRS Insurance Brokerage ~Jan 2027

Premium History

Period	Carrier	Policy #	Building Coverage	Annual	Monthly
Feb 22, 2026 → Feb 22, 2027	Acuity	ZM1786-01	$1,900,799	$11,248	$1,024.54

2024 Quote Comparison — State Farm vs Travelers (CO SFRs)

Property	SF Coverage	SF Annual	SF Monthly	Travelers Coverage	TRV Annual	TRV Deductible
1724 Boston St Aurora	$321,500	—	$0	$323,000	$1,658	$2,500
2332 Oakland St Aurora	$407,800	$2,157	$179.75	$500,000	$2,703	$2,500
3225 Tucson St Aurora	$326,600	$2,378	$198.17	$320,000	$1,810	$2,500
3630 Holly St Denver	$432,200	$2,464	$205.33	$350,000	$1,752	$2,500
4776 Blackhawk Way Denver	$510,000	$3,012	$251.00	$389,000	$2,427	$2,500
5101 Crown Blvd Denver	$385,900	$2,460	$205.00	$380,000	$2,284	$2,500
5538 Dearborn St Denver	$405,500	$2,375	$197.92	$400,000	$2,080	$2,500
14790 E 43rd Ave Denver	$373,600	$2,405	$200.42	$370,000	$2,215	$2,500
11795 E Virginia Dr Aurora	$367,700	$2,220	$185.00	$370,000	$2,107	$2,500
15559 E Bates Ave Aurora	$393,400	$2,509	$209.08	$382,000	$2,280	$2,500
15655 E 13th Ave Aurora	$600,800	$3,185	$265.42	$743,000	$2,920	$2,500
2397 Jamaica St Aurora	$321,500	$3,185	$265.42	$318,000	$1,491	$2,500
4641 Enid Way Denver	$367,700	$2,210	$184.17	$320,000	$2,011	$2,500
Totals (SF / Travelers)		$30,560	$2,546.67/mo		$27,738

Expired — State Farm Kevin Schult (Dec 2024 → Dec 2025)

Carrier

State Farm

Agent

Kevin Schult · 303-989-3847

Period

Dec 15, 2024 → Dec 15, 2025

Monthly Feb 2025

$2,644.10 total

Split

Divando $1,581.44 · Donald $1,062.66

Canceled

Sep 20, 2025 — ACH moved to Donald acct

Expired — Berkshire Hathaway (Nov 2024 → Nov 2025 · CO SFRs)

Carrier

Berkshire Hathaway

Policy #

02PRM080318-03

Agent

IMA Select / Rosella Sheehan

Period

11/6/2024 → 11/6/2025

Properties

14 CO properties

Deductible

$1,000

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