Do any of the tenants have Dogs (Breed restrictions are individual to each company).These may not prevent you from getting insurance but they may limit the number of companies willing to insure it.

Quote from @Nicholas Dillon: I read somewhere that you can request to have your mortgage insurance dropped once your Loan to Value reaches 80%.

@Ana Escudero Property insurance renewals have been challenging the past few years, but there’s some stability with carriers heading into 2025.

They are DESPERATE to find insurance and are striking out everywhere!!

Does anyone else do it like this and who do you use for liability insurance?

Can anyone recommend a company that offers a builders risk policy to cover the construction period but then will also allow a cancellation and refund after work is finished to convert into a standard landlord policy.  

I would look for an experienced agent of my own who understands what is standard for your market.

One issue that I'm noticing is the range of reported insurance costs.

Liability insurance covers negligence.

Quote from @Carl Rowles: When you insure a SFH rental property, do you try to adjust and of the coverage amounts?