I have narrowed my bids down to two, one includes a Coleman brand AC unit the other Carrier unit.

Shopping around won't matter much as it's the Federal flood insurance program (different insurance carriers may issue it but it's still the Fed program).

That being said most carriers wont write a policy for less than 100k.The main reason you want the tenant to have a renters insurance policy is for the fire legal liability limit.

There are carriers/Programs that offer this, but not all agents have access to them.

Pete, my insurance carrier has singled out pit bulls, along with other dangerous breeds.

The USPS has a neat tool called “Every Door Direct Mail” but it uses their carrier routes which doesn’t work because the route doesn’t go around the lake (there are 6 routes that touch the lake front properties).

Depending on your Insurance carrier, they may offer a fixed limit or a percentage of the limit on the policy. 

I bought my first to the criteria belowFile NameNewList01-14-14aCount300 (excludes duplicate mailing addresses)DatabaseCreate Your OwnCreated Date01-14-14,5:31Purge Date07-13-14List of CriteriaZIP + Radius 77389 (20 mile radius)(All) Combined Loan To Value 21-30 %Equity(%) 40 to 100 %Bedrooms 3-5ADDRESS-COMPLETENESS Mailing Address CompleteCORPORATE-OWNED ExcludeSelected Bundle ElementsPending Auction SaleReports SelectionOnly Records 300Records From 1Records To 300Search Output Fields Owner 1 Label NameOwner 1 Last NameOwner 1 First NameOwner 1 Middle NameOwner 1 SuffixOwner 2 Label NameOwner 2 Last NameOwner 2 First NameOwner 2 Middle NameOwner 2 SuffixOwner Care Of NameMail AddressMail CityMail StateMail ZIP CodeMail ZIP+4Mail Zip/Zip+4Mail Carrier RouteMail CountryProperty AddressProperty House NumberProperty House Number PrefixProperty House Number SuffixProperty House Number 2Property Pre DirectionProperty Street NameProperty Street Name SuffixProperty Post DirectionProperty Unit NumberProperty CityProperty StateProperty ZIP CodeProperty ZIP+4Property Zip/Zip+4Property Carrier RouteCountyCombined LTV RatioZip CodeEquity (%)BedroomsWhen I looked at one of the properties on the Harris county tax records auction it said no tax due?

Why agree to only one carrier when you could land multiple on the same tower and increase return??

If the lack of a contract presents a problem with your preferred carrier, don't be discouraged.