I currently live in Georgia, I am buying a fixer-upper in rural Middle Tennessee and need to shop for insurance coverage.  Because of the current nature of the house (needs to have water diverted from crawlspace, old roof, no HVAC), I'm having a bit of trouble finding a good insurance policy from the standard insurers around town.  Though I plan to rent it for a while to cover expenses, it's not an investment "deal" by any means -- it's a shack with a million-dollar view, for my "retirement" home.

The question is -- can anyone recommend an insurance broker with experience in policies for fixer-uppers that aren't going to be flipped?  The roof will be replaced within 6 months or less, the water issues are going to be attacked the day after closing, etc.  I'm guessing that Chattanooga or Nashville may have bigger, investor-experienced brokers with a range of policies that might fit my needs for this property better.  

Or, in your experience, am I stuck with having to cover it "as is" and then re-shop the policy after repairs?