Find an independent insurance broker that has relationships with many major carriers and can shop the market for you.

We represent dozens of Homeowners carriers and most would require that the policy be cancelled and coverage written on a Dwelling/Fire form (again, check with your agent)

The insurance carrier is required by law to issue the check with all of the Named Insureds along with any mortgagees. 

@Sol Romand in regards to the insurance, most of the standard market carriers will not be interested. 

You could also narrow your filter to properties that are elevated, or have FEMA approved mitigation measures (flood vents; filled-in basements, etc), which can all decrease premiums w some private carriers, it seems.   

I don't have one specific contact at Cross because I have more than one entity that has policies with them, and they seem to assign the account rep based on the name of the owner/entity.It's important to get quotes from multiple agencies as they have access to different carriers and may quote you higher or lower depending on what other risk their currently carrying in that area/zip code.

Also payout after death are usually fast (depending on the carrier it could be as short as a week up to 60 days.

Your broker may not have access to carriers that can write this but many independent agents do.

Most of our carriers are asking for a Lead Safe certification.  

Talk to your agent about coverage (often called a Bailees policy) and it would usually be from a commercial Insurance carrier.