To answer your question, it is a fantastic program and worth every penny.

There are plenty of options outside of the standard captive companies like Statefarm and Farmers - independent agencies will be able to structure what you’re looking for through a master policy, which often times translates to savings in premium as well. 

Looking for my first property and seen a HAP (Homeownership assistance program) that is helping in my county Can I rent this property out?

The reason for this to use the first time home buyer program and acquire many properties.

Has anyone participated in this program?

Now if you purchase a cabin that is in a rental program with a management company forget it.  

There are some nuance to these programs, specifically what type of job you accept.

I once bought the Carlton Sheets program for WAY too much money.

My wife and I were just considering paying $20k for coaching program and I glad we didn't.

Master jury-riggers get creative, especcially rural ones.