There are standard carriers and Excess/Surplus markets for that coverage. 

For instance, if the cash value exceeds the total premiums paid, the excess amount is taxable as ordinary income.Risk of Policy Lapse: If the policyholder cannot maintain premium payments, the policy can lapse, resulting in the loss of the death benefit and potential tax liabilities on the cash value.

Do they usually do a monthly flat rate (this would include the winter when its not needed)?

All the marketing and exposure needs to be done through that lens.Have you flat listed on the MLS yet?

Once you've accumulated sufficient reserves for the property in this account, you can then use the excess cash balance to sweep over to your personal account as profit distributions.The key here is keeping the entities separate. 

I work for an automotive shop and get paid flat rate so my pay fluctuates.

A leak, a drip, where is the excess moisture coming from and deal with that source (if any). 

The fees are all flat and range from $20 to $50 per violation.Rent Late Fee ($50), NSF Funds Fee ($20), Guest Fee - for guests staying more than 14 days ($5 per day), Unauthorized Occupant Fee ($50), Unauthorized Pet Fee ($50), Smoking Penalty Fee ($50), Smoke Detector or CO Detector Tamper Fee (Up to $200) [we charge $50 first time, $100 second time, $200 third time- this is allowed by our state law], Posting Fee - for posting legal notices regarding lease violations ($20).

Also, are you charging one flat rate to include utilities or charging rent plus splitting up utilities?

Also Dev any reason why you chose the glossy PC vs flat normal ones ?