Homeowners Insurance- I'm already getting quotes from insurance companies, so why would I pay for insurance through my lender without even seeing what the policy is?

I have a property I hope someone can help me think through. 4Plex 255K Purchase Price2,850 Gross Income2,110 Payment including taxes and Insurance..I want to live in one and rent the other 2.

These include (but not limited to) loan payments, taxes, insurance, utilities, etc...  

As far as tenants; I don’t know California’s laws but basically you advertise, screen, get a landlord type of insurance policy, sign lease, set expectations, take care of tenants and home but don’t confuse that with being soft on due dates etc.

I see a lot of Single family advertise as 10% cap rate but once you take into account insurance/ Capex for future repair etc i think it is closer to 6%/7%.Whereas for a condo I don't see the  expenses to add up and deteriorate the cap rate to 7%.

I was able to find a mortgage, but I struggled to find insurance. 

The coverage is $40,000 for condo unit and $500,000 for liability.

I have the following basic list and am looking for guidance on who else should add to that list:* CPA / Accountant* Real Estate Attorney* Real Estate Agent* Insurance Agent* Mortgage Broker(s) / Lender(s)I realize that depending on the type of real estate investment I might need more in my team (e.g. if I am rehabbing, I need a General Contractor etc.)Who else would you recommend I add to the above list at an absolute minimum? 

I did notice their expenses were lower then I estimated, also no line item for insurance.

You should, however have a copies stored somewhere for audit, lending, and insurance purposes.