I've looked into ICF (insulated concrete forms) and believe it is a premium method that builds a "better" stronger and more insulated house, but at a higher cost.

Here is my wish list when im looking at a house for a client. 1. 5 bed 3 baths 2. 1 bd and ba downstairs or in the basement to get the master and this room at a premium for private bathroom 3. 3 car garage, add a small fee for parking in the drive way or garage to get more revenue!

Once you factor in property appreciation, some owners do quite well but most STR's units in Waikiki sell for a premium and I've personally found better investments on the mainland.  

As it's not the first line of defense, the insurance carrier's exposure is reduced and the premiums are usually pretty inexpensive.

There is also a huge lease premium to be close to a hospital.

The other factor we need to consider is that the rent we can get in the unit we live in is a premium because of the work we've done. 

There is low inventory right now and the prices are at a premium.

The level up would be someone that use to be a CFO that runs a company now that does a premium version of looking over P&L, balance sheet etc for a little more than I pay now. 

A stand alone umbrella policy will likely cost a little more.The higher the deductible you can afford, the lower your premium will be.

For instance title insurance premiums are tied to price, as are commissions and taxes.