A policywith a higher premium may be a better deal if it does not have a wind deductible.There are many endorsements that are available on the homeowners policy.

Keep in mind that your mortgage terms and insurance premiums will probably be less favorable in an LLC.

In all honesty if it's just one flip property I don't know if the $1,000 - $2,000 premium to have someone that markets themselves as a real estate CPA would yield you a good ROI in tax savings or some magical compliance maneuver.

We diversify, but because we are active investors, limit our diversification to assets we believe we have a competitive advantage and are able to obtain our targeted “premium” return.  

I had to switch carriers for all my properties this year after one carrier tried to triple my premium.

They may justifying paying more by claiming they’re paying the premium for the “business”, but since the “business” and the real property are inseparable the property owner will still benefit from the increased value due to the arbitrager efforts.  

There will always be someone looking to pay the lowest price and others who will pay a premium.

Why pay the premium for a cosmetic rehab and TK service when you can do most of it yourself?

First, most investors and owners of real estate related businesses are in one or more of the following situations1- they’re unable to duplicate their expertise that drives the ROI and they are at their personal max capacity as to time2- they’re obtaining high ROI by use of excessive leverage 3 - they’re obtaining high ROI by taking excessive risk4- they hit correct timing in the correct market, and this is not necessarily repeatable with any probabilityIn order for an investment or business to scale, we need the ROI (on a risk adjusted basis) to be sufficient to cover a PREMIUM risk adjusted return to passive investors; all expenses of managing the assets and the business, and a significant return to the “sponsor” providing compensation to him making the work, risk and time worth while. 

Any owner who understands STR arbitrage will want a premium.