But it's not anymore, so it would need to be under a landlord policy.

You can get a build your own policy across state lines no problem.

The tenants are well aware of how strict this policy is and it is huge in them doing whatever they can to get $ to stay in the house.1.

(I had this with my other policy, but am considering dropping now.)

(I certainly like that option).lol   Also...I am paying $400 a year on this abandoned and boarded-up house....in an area with minimal traffic and hardly any neighbors....should I save my money and drop this policy?

Dumb policies such as: they require you to put a notice up on your vacant rental, saying that it's a vacant property.

And I opened a $2 million umbrella policy for myself personally.

Get a landlord policy and maybe an umbrella for additional coverage.  

Blanket policy?

By the way, the biggest problem for Landlords (local or out-of-state) is the inability to properly screen, followed by a lack of policies and procedures to handle problems quickly and professionally.