Insurance for what?

I think it will also depends on state laws and a lot of information not present but the HOA rules and insurances are two different things.

So on numerous occasions, I have expressed my concerns about staying within my budget.Now on top of this, the property manager let the pipes freeze and they leaked and the boiler also cracked which I was told to file an insurance claim.

We know that investing in real estate means building a business that incorporates the right investment strategy, tax & legal plan, financing, retirement planning, insurance & estate planning. 

Home prices are one, cost of living and relatively disaster-free weather keeps insurance costs down.You can look up the median home price for every city or metro area.

Second, the insurance is $1.5k which seems to be low as well. 

More insurance will cancel short term rentals.

One thing I am finding is the reviews for some mentioned firms are all over the map.

I will insure the property as a non-owner occupant. 

However, a different niche such as insurance placements, might very well be in the 70%~ occupancy level but the rents are going to be so much higher that the occupancy rate (comparatively speaking) is irrelevant.