Does anyone know of an online insurer that will write specified actual value policies that would allow me to choose the actual value that is adequate for my program?

I have Proper insurance, tailored to short term rentals. 

I show people how to use permanent life insurance to supplement retirement with tax-free income.

Deduct NEW property taxes after you buyDeduct home insurance costsDeduct maintenance percentage, typically 10%Deduct vacancy+tenant nonperformance percentage(we recommend 5% for Class A, 10% Class B, 20% Class C, good luck with Class D)Deduct whatever dollar/percentage of cashflow you wantNow, what you have left over is the amount for debt service.Enter it into a mortgage calculator, with current interest rate for an investment property, to determine your maximum mortgage amount.Divide the mortgage amount by either 75% or 80%, depending on the required down payment percentage - this is your tentative price to offer.If the property needs repairs, you'll want to deduct 110%-120% of the estimated repairs from this amount.Be sure to also research the ARV and make sure it's 10-20% higher than your tentative purchase price.As long as the ARV checks out, this is the purchase price to offer.It is probably significantly below the asking price.

Zillow will also offer climate history of a property alongside custom tailored insurance policies and carriers. 

Once approved, it shouldn't matter if their rent is paid by them, their wealthy uncle, an employer, an insurance company, or their sugar daddy.

Also it would mean I get a different tenant pool for example travel medical professionals, displaced people due to insurance claims, digital nomads, etc and I really want to expand my knowledge outside of long term tenants and challenge myself to have a diverse portfolio of real estate! 

But, currently looking around the Saint Cloud area where I could do room rentals for college students or into the twin cities area, but the property insurance and taxes are a lot higher there. 

They often have no choice but to stay and rebuild with insurance money. 

If you do this, plumb and wire each one to the individual units to keep your costs down.