A policy with a higher premium may be a better deal if it doesnot have a wind deductible.Most of the better rates are from companies that write the Building coverage on a "Replacement Cost" (RC) basis.It is a better coverage for the policy holder than "Actual Cash Value" (ACV).A policy basedon ACV will normally have a lower limit (ACV = RC minus depreciation).RC is the cost to rebuild the structure with the same kind and quality.

All 50 states have language written into their state statutes that require insurance companies to make loans to their policy holders secured by the cash value of those policies. 

And they do this because if something goes wrong and the policyholder files a claim, settlement agents often need to pay the money. 

Claim denied, no insurable interest of the policyholder (the LLC owns it, not John Doe)Truly mind boggling the bad law and insurance advice given on this forum.There is no free lunch.

Replacement Cost however give the policyholder, subject to coinsurance provisions, the ability to rebuilt with like kind and quality, subject to the limit of insurance, for covered causes of loss.

Insurance companies can recover their damages when they settle a claim on behalf of a policyholder (the landlord) for a loss caused by a party who failed to provide appropriate insurance.

I asked my Allstate agent to have a landlord insurance and the policy holder to be the LLC but he said the policy holder has to be a person we can't put an entity as a policy holder.

I'm currently receiving quotes to insure a rental property owned by my LLC.Due to the LLC, I'm being quoted as a commercial policyholder, although the home is a single-family residency.

USAA and Amica do a great job of taking care of their policy holders and writing a proper scope of work / paying for quality work. 

You, as the policyholder, can choose any agent you want to work with.