RESPA FAQs (April 2, 2010):
Q: How should Block 11 be completed in a refinance where the new lender is requiring the borrower to maintain his or her existing hazard and flood insurance?
A: If a borrower is refinancing the mortgage on his or her home and the new lender is requiring the borrower to maintain the existing hazard and flood insurance policies on the home, Block 11 may be completed with $0.
I know you are specifically asking about second liens, but it seems the same logic would apply. The borrower should already have homeowners and therefore would not need to pay an additional upfront premium.