That definitely eliminates the possibility of wood rotting etc due to moisture in the future...  

I was in your neck of the woods about six years ago (in Stockholm).

If you have to obtain it then require he pay the premium.

I had an artsy client who would put up frameless  mirrors and then double sticky tape the perimeter and stick on tiles, wood , bottle caps.... whatever to make her own frame...  

was it wood panels, another set of vinyl..etc5.  

On this particular house, because the siding was so loose in areas, I was able to take a peek underneath to see the wood, I didn't see any wrap.

Other insurers that offer coverage will want a minimum of three months of premium, and most of them consider the premium earned in full when paid and will not pro-rate a refund for any unused time upon cancellation (once you sell).

You can get some pretty nice all wood (no particle board) cabinets there; they usually have 3 or 4 styles in stock pre-assembled, and they also have 6-8 more choices that you can order that usually come RTA and they will assemble them for you if you wish, for a small fee.

USAA had two great features (1) online data entry allowed for plug and play changes to coverage terms and recalculation of the impact on the premiums (2) you can adjust the dwelling policy limit (within a range) rather than just getting stuck with some inflated cost estimator.  

If you are in a decent location:- wood or vinyl plank floors- granite countertops- 2 tone paint- washer/dryer hookupsI get the granite done for about 650-900 dollars for kitchen and bath.