First you would have to acquire title.  

Hi DFW BP,I am looking for a good guide for trying to figure out insurance cost.  

Yes you could potentially pay less money down if you live in one of the four units although you will also probably have to pay mortgage insurance in that case as well.

@Jeannine Stormy Wood  I had to comment because of the title, Stormy. 

I would love to help with any escrow/title needs if you do anything in Ca. :)

Ive received leads for insurance and title companies that I will be calling today but I'm not completely sure what questions I should ask.

I live in Denver, and work at an established Title Company, so please use me as a reference for Title questions.  

Just got the prelim title search for a property, the owner has a recorded federal tax lien on early June 2007, that lien is attached to his property, around $110k and he obtain a mortgage by refinance his property( property is previous paid off), the mortgage is signed by the End of Jun 2007, recorded by early July 2007.

Right after you close get an insurance policy that protects you if there is a loss.  

Don’t forget, some properties need lawn care, or snow removal, or insurance is more than double, or the house is brand new, or it’s 120 years old.