Choosing a lower premium at the expense of proper coverage can lead to denied claims and serious financial consequences.Additionally, if you continue to insure a rental property as owner-occupied, the insurance company could deny any claims based on material misrepresentation, which is a form of insurance fraud.

I have considered building a secluded cabin in the woods and air-bnb'ing it, planting chestnuts on the tillable as a future cash crop, placing a high end park model in the woods and str'ing it, etc. 

I like the Ikea solid wood dressers.

Don't normally pay the premium price for John Deere, but wanted a dealer close by.Having trouble getting our new property rows plowed to plant trees. 

We invest (buy and hold) in a small town on the eastern seaboard, and we’ve seen firsthand how these factors affect premiums:Homes built after 2002 often benefit from lower premiums due to stricter post-Hurricane Andrew building codes and improved construction standards.Flood zones matter—a lot.

How are things on your neck of the woods? 

I'm looking for alternative quotes that offer good coverage while lowering my premium.

The town reassessed the new property adding $200/mo to my payments, AND my insurance premium on the new building doubled, increasing my already too high mortgage payment by almost SEVEN HUNDRED DOLLARS/mo!

Homeowners insurance is notoriously high in Miami given the hurricane premiums especially, but do you take a different approach for investment properties?

I either drop it, pay the exorbitant premiums, or reduce it somehow and only have liability, if I can.