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In property investing, the "One Bad Apple" rule means a single high-risk asset can hike premiums or trigger non-renewals for your entire portfolio. As the 2026 insurance market prioritizes portfolio-wide risk modeling , a single property with an aging roof or high claim frequency can "poison the well" for your lower-risk holdings. 1. Conduct "Pre-Underwriting" Inspections Insurers now use AI-driven satellite imagery to spot risks before you even apply. The Fix: Audit your