Steadily is landlord only insurance. 

Does homeowner insurance change or increase if property rented? 

A title insurer doesn't render a legal opinion, it advises what its requirements are in order to insure title without exception for a particular matter. 

Technically, your debt payment does not go up, your ownership obligations like insurance and taxes can and will go up. 

How Insurance Companies Typically Source HousingInsurance companies usually work through third-party temporary housing placement agencies or directly with property owners and managers.

Do local title companies honor these and require them paid off or do they often insure around the title cloud?

I have to give the obligatory, find/interview a few local brokers to find one versed in the local insurance market and understands/works to understand the needs of investors.A single policy might work, if properly endorsed and disclosed, a standard homeowners policy could possibly work.

There NEVER was a LOAN Title insurance policy issued.

I did receive about 25k from a life insurance policy.

I bundle all expenses after taxes/insurance/mortgage into row 18 (maintenance).