Need a good Homeowners insurance policy for rentals

[Hill A.]

So first of all forgive my terminology if its incorrect!  From my searches it seems there are two types of policies - Rental and Landlord.  Since this is my first rental property I don't need the landlord policy.  I am located in coastal NC.

I have been studying real estate for a few years, and was finally about to take the plunge on SFH's when I got relocated to the West Coast due to work. My house would sell at a loss right now, so I plan to hold it for a few years until the market in Jacksonville catches up to the huge amount of over-development that drove home prices down. To make a long story short, I am having trouble finding rates that work for me as the cash flow on this property is already going to be nearly nothing.

Thank you all for your help, I have already learned so much just from browsing the forums