And Oklahoma home owners pay some of the highest premiums in the country due to the hail threat. 

If you have an insurance claim with renters in the property and a homeowner policy I would expect the claim to be denied.The benefit of landlord insurance is that it will actually cover you, if you try to rent a house out with a typical homeowner policy you are simply not covered (even though you are paying premiums).Insurance is not where you want to go lowest bidder or look to cut corners - it is there to save your behind in the event of a major incident.

Insurance premium is supposed to be less because risk of total loss is lower4.

First $1,600 for origination fees, then $3,200 for MIP (Mortgage Insurance Premium), then $1,600 for mortgage security instrument, then he sent me an approved wire transfer from some fake Chase bank with the loan amount to be wire  transferred to my account.

If you buy Premium properties they tend to stay booked regardless and protected by the equity due to higher end markets. 

If you are paying for the long term (annually for 6+ years) make sure your contribution matches the guideline level premium.

I get their contact info just in case and charge a premium so if there was small damage which is hardly the case I'd be able to take care of it.

10-20% premium? 

You may get a premium in rent but then again you may not.However if I were to buy a property with a pool, I'd require professional upkeep, either I would hire it out and charge the tenant or ask the tenant for proof that it is being done.  

After we finished we thought, sure enough our insurance premium should go down since we added a ton of value and updated everything and turns out that it wasn´t the case if we wanted to have only one policy.