I have gone based on appearance / cost, but have been laying on slab floors so have gone with pre-attached pad.I wouldn't be too concerned with getting a premium product.

There are A LOT of people out there who are in need of help and will pay a premium for service to accomplish their goals.If you do not value a broker/agent just get an attorney to help you with the docs.

Cash, as usual, seems to be at a premium these days.

RCV insurance premiums (including Hail/wind and storm) will run anywhere from $5,708 to $7000 depending on deductibles.

You can talk to them about lender credits, and yield spread premiums, in which they will give you money back for closing costs, for a higher interest rate.  

We do (in CA only) but only at a premium.

You will get the house rented right away, and you can charge a premium.

Or if no sale, get to keep the option fee and possibly rent premium too.My question is, is there standard contract for this?

I want to attract a premium renter.

If the insurance company finds that it was not really occupied, the most likely thing is they will make an adjustment to your premium as a non-owner occupied if they offer such coverage and pay a loss and probably cancel your policy.