Some Builders Risk Policies offer a Flood Endorsement   check out usassure it's a Zurich product

I have an endorsement for drainage backup, I’m more concerned that the policy was a standard home owners insurance and didn’t include the rental portion.

Most PM's don't show up, can't endorse rules, and defer responsibility endlessly. 

Make sure you read through the entire policy including any endorsements because there could be exceptions and changes in coverage. 

(b) As to any such loan or forbearance of money or credit sales made in compliance with subsection (a) of this section, neither such person, corporation, trust, general partnership, limited partnership, or association, nor their heirs, successors, or assigns, nor any surety, guarantor, endorser, or any other person, firm, partnership, association, trust, or corporation which may become liable, in whole or in part, for the payment of the debt and interest agreed to be paid thereon in accordance with the terms hereof, or any extension, amendment, or renewal thereof, may raise or claim the defense or benefit of the usury laws or any other law prescribing, regulating, or limiting such rate or rates of interest.This section seems to defeat the usuary laws if by contract both parties agreed to the interest rate by saying that no one who agreed to such interest rate shall be able to claim the usuary laws as a defense as long as the loan is for more than 2000.00.I find this particularly interesting!

Probably meant to mention Bill Mitchell, If there is no Realtor involved you could make it out to the seller AND the escrow agent (title company or attorney) if you are working directly with the seller, have them endorse the check and then deliver it to the closer as earnest money is consideration paid for the contract.

I have not used them myself, so I cant endorse them at this time, but thought I would pass the info along.

@Jonathan Tavarez Zoning is not a title issue except in commercial transactions where a zoning compliance endorsement may be requested — or when the violation is already a lien or public record.

I know several companies that have special endorsements for "rooms rented to others".

Is there a specific endorsement for this strategy?