In my opinion those items modernize the dwelling and make a big difference; however, I done those things and have a appraiser come in and not think they are a big deal.

Jeff,Two other companies that insure vacants and should write in your state are Foremost and American Modern Home.

Talk to them face-to-face, build a relationship, and connect with them via facebook, email, IM, LinkedIn, or other modern means.

I use American Modern for basic policy and USLI for umbrella. 

It seems like the modern toilet is wasteful of water and expensive to hook up to sewer.

The house is super renovated with polished hard wood floors, brand new paint job,  updated appliances and kitchen, and both bathrooms are updated and super modern.

Yep, new plumbing, new wiring, modern kitchen ... but original footprint, wood siding and hardwoods — Give and take with the new and old. 

I have worked on some houses over the years that I am shocked that they have stood around this long, seeing some of the framing and the failures before they knew certain things we now know with modern building science and product/technique innovation.

I've read relocating is the 2nd most stressful time we modern humans experience, so it's not something to be taken lightly. 

The previous owners were older and hadn’t made the units more modern.