Do i need to be a premium member 🤷🏽‍♀️

The higher the premium the more likely they are to play ball as the work is just the same. 

I am not going to file a claim for anything less than that, so might as well save some money on my premium!

I'm still researching exactly what I want to do but I had this idea that I haven't heard anyone talk about before.If I were to get an owner to agree to seller finance their home(assuming that the home is owned free and clear) on terms including an assignment clause, could I then turn around and wholesale the agreement for a premium tacked on to the end buyer's down payment?

A policywith a higher premium may be a better deal if it does not have a wind deductible.There are many endorsements that are available on the homeowners policy.

Have the ugly facade in the neighborhood that none of the buyers or tenants want and you're using comps with the premium cut stone builder upgrade?

You will likely have to pay for an entire year premium but once your renovations are complete and you get a regular policy the unused monthly portion of your premium will be reimbursed.

It seems to me he had it all figured out, he does not want to buy insurance because the deductible is too high -- i buy the least amount of deductible but i pay more for my insurance i.e. my car insurance has $50 deductible, i guess he doesn't want that high premium --, he has been out of insurance and does not feel he needs it, he has an alarm system that can protect him or so he says, what else am I missing?

It could be sold at a premium.

Have you seen any issues with insurance premiums in South Florida?