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

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

There were 3 batches and I placed bids in all of them.I waited patiently for the results of each round only to get let down b/c I didn't win a single lien.My 2025 post sale analysis (see below) shows that bidders are bidding so high that the bid premium is eating away at the interest rate.What could be 20% interest is turning out to be mostly 2-6%.You can get better returns from the stock market.... 

While they offer strong short-term rental demand, the high purchase prices, insurance premiums, and HOA fees can make it difficult to cash flow positively.

(When you make your second premium payment.)

I also read something along the lines of 'wind resistance certification' that will lower insurance premiums.

I’m looking at a home in the woods of Northern California/Bay Area to be a primary and live-and-flip. 

Joe Kaiser kind of ruined it for everyone when the WA AG took him to the wood shed..

I believe CT is a filed rate state where each title insurer sets their own premium rate which is filed and approved by the state and the insurer must adhere to those rates. 

I believe in most cases carpet is the lowest up front cost but I never use it instead going for laminate or wood.