rental property and builder insurance

[Bonnie Y.]

I'm new to rental property purchase and puzzled about the following. 

I'm buying pre-hab properties from different providers. Some of the providers just sell me an insurance which covers both the renovation period and the subsequent rental period while other providers ask me to buy insurance on my own. When I go find an insurance on my own, i was told I have to buy two separate insurance, one builder insurance and one for lessor risk. Some insurance company only one but not the other. It's lots of work and I was told by the provider "you have more control in this matter." 

My question is-- re one group of provider offer the insurance throughout and second group ask me to shop around, does this mean the two groups of providers are different in the nature of business, which prevents the 2nd group from being able to offer this packaged deal? I would prefer not to have to shop around for the insurance. But am I missing something by just buying the packaged deal?