This is callthe Risk Premium.

Try Premium Title  www.mypremiumtitle.com

2020 update: the AHS paid for itself again, right now I'm about -$250 with the premiums I've paid vs. the coverage they've provided.

Everyone seems to be ready to pay premium price for it but some people truly love it which is very satisfying.

I understand now that this is likely because I am looking in areas that are too 'nice' that are selling at a premium, and I need to focus on towns a tier down from there. 

They charge a huge premium and take advantage of some people's ignorance.

I signed up again for a Premium Account so that I can connect with other like minded real estate investors all across the US.

If you are paying a premium you better make sure the tenant is really strong (typically Standard and Poor's) BBB- Investment grade rating or better.

That update includes 3 possible action plans.Continue with things as is for the next two weeks.Lower the price by X amount.Perform X amount of premium upgrades or improvements to the property.From there we follow up in a similar fashion every two weeks.

Depending on the contract negotiations, the buyer will likely want title insurance and may ask for you to pay for the premium, which is calculated at as $5.75 per thousand dollars of the sales price up to $100,000 and $5.00 per thousand dollars of the sales price thereafter up to $1,000,000.