Even if your property is empty; protect its value

experts your Insurance related questions here…200 Characters left

Hi. I have a number of propertie which I rent out. I;m sure the homeowners insurance I’m paying on each is too high. How can I get a realistic valuation and competitive quote for insurance?
I have purchased two cars under the motability finance scheme was the finance subject to payment protection insurance?
In NY, within a marriage is a computer considered marital property such that even if password protected a spouse can access and download data without the permission of the other spouse