Here's the detail on Pennsylvania regulation and a calculator:Pennsylvania title insurance rates are regulated by the PA Department of Insurance; therefore the title insurance premiums are the same with all title insurers.

Remember also that parking is a premium in the city.  

I understand what you are thinking in terms of self insuring to save the premiums and you will take care of any damages out of that account, however the bigger risk is the liability claims?

Call your insurance provider and give them the address for a premium quote.

Most property managers I have dealt with end up charging a premium for management of vacation rentals.

The cost of the acquisition plus the budgeted rehab costs are used to determine the premium.  

The primary factors that make up your premium are 1) reconstruction costs 2) fire rating 3) coverage levels on liability, separate structures and various endorsements and somewhere in there ( a black box so to speak) is your credit rating.

I'm sure the additional premium would be pretty insignificant to add 5-10K but if not needed why spend the money.  

Min. earned premium of $250.00, so set it up monthly and by the end of 2-4 months, it should have cost you the $250.00 that was the minimum. 

EARNED PREMIUM - PROPERTIES WITH UP TO 5 PHYSICAL DAMAGE LOSSES IN LAST 5 YEARS - CUSTOMERS WITH 1 LIABILITY LOSS IN THE LAST 3 YEARS- UMBRELLA POLICIES - TRAMPOLINES AND POOLS ARE THEY ALLOWED?