What coverage is a MUST? What's unnecessary?

[Stan C.]

I'm shopping around for insurance for my first duplex. I won't have a LLC for now, no umbrella coverage either. What are recommended values of:

 - Liability protection? 

 - Medical Payments? 

 - Loss of Rent (what period should be covered)? 

 - My appraisal value roughly equals asking price. How much over the sale's price should I have the Dwelling be covered for? 

 - Damage by a Dog (many residents have dogs in the area)? 

Do I need PERSONAL PROPERTY to be covered? Am I liable for tenants' personal property damage? 

Do I need FIRE damage coverage? 

Do I need coverage for damage by a dog (many residents have dogs in the area, but current tenants of this duplex don't have pets)?

Do I need "Other Structures Coverage"? (There's only a low wooden fence and a lawn besides the main structure). 

Thanks.