Anything to make it seem a little more premium than the others is important.

Upgrading to premium is all online.

"the typical home warranty costs $450 annually, and only 25% of premiums are paid to homeowners.

You still keep your asset and you pay 0.Net result: Zero change besides your insurance premiums going up.Sorry, I'll take a PUP over an LLC any day of the week. 

They are paying a premium to be able to pay bi-weekly. 

Additionally, exploring surplus line carriers that handle high-risk properties might be beneficial, though they often come with higher premiums.

The market here is slowing down a bit, especially on the retail side where homes are selling for over 500k.On the investment side, we've noticed a significant price decrease in properties in Flood Zone AE due to skyrocketing insurance premiums.

This can quickly help you figure out if you are paying a premium or a discount for the expected future cash flows of the asset.When you pay more for an asset, (lower caprate) you assume the risk is lower.  

The down side is to an FHA is that you have to pay an UFMIP (Up-Front Mortgage Insurance Premium) of 1.75% of the loan amount and an additional annual MIP that is dependent on how much you put down and the loan amount.

Plus, insurance premiums are expected to decrease, and there are cool opportunities in Tampa for ADUs and tiny homes.