If you exercise reading comprehension this was explained already politely to you until you insulted me.

States regulate the insurance rates charged by a given insurance company and coverage provided on the given contract.

I am trying to get Stewart Title to pass through coverage to me. 

Low leverage meaning LTV no greater than 60% and debt service coverage of at least 1.30x.

It is also important to note that some insurance agents are bound to certain higher levels of coverage than others.

Usually you want to find that sweet spot of leveraging it (keeping a DCR - Debt Coverage Ratio above 1.2) and with high enough CoC that the deal makes sense and you can then use those other dollars to invest elsewhere and rinse and repeat.  

If you do have a problem getting coverage PM me and I can let you know what companies I know of that might write it. 

Read your flood policy as many owner-occupant policies do have personal belongings coverage.  

It was meant to be our primary home, but after living in it for nearly 3 years we got tired of the $1200 a month payment (and nearly $1000 a month in car payments/full coverage insurance).

If this is a hold property, you will want to make sure your "Loss of Rents" coverage is strong since this area is susceptible to flooding.