Qiang - Since it would be considered coastal (hurricane) territory by most carriers, premiums would really depend on what limit/value you'd need on the property, what deductibles you'd be comfortable with, and how many miles the property is from the coast. 

Farm, Allstate, Farmers, etc.) and with an independent agent (an agent that can shop multiple carrier options on your behalf).  

If that is the case, the problem is that sooner, rather than later, they are not going to be working and you've shown a willingness to file claims.Your best bet is to find a non-admitted / surplus lines carrier that will accept this type of risk.

Tenant says $695k is plenty because his insurance carrier is comfortable with that limit.  

Also, work with one that is willing to share key contacts to help you in your investment journey (i.e lender, landlord insurance carrier, make ready contractors, property management companies, etc.) its amazing how many first time investors want to reinvent the wheel.

No aggressive breeds (deemed by insurance carrier). 

I have not used carrier provided hardware in decades.... usually it's junk.

I only offer MTM and I use State Farm currently, but I've never had an insurance carrier (past or present) that poked their nose into my lease agreements. 

I have a SFH I rent and every Carrier I ping doesnt offer insurance for 2 to 4 units. duplex under contract and I need to get quotes to the lender NOW!

Not every insurance carrier will cover vacant buildings.