Second, the building code, IRC/IBC, defines a townhouse as zero lot line (zero setback) homes that are on their own separate parcels and share a common wall.

I'm no expert, but I know several people who have had loans called due on sub to deals because of the way they structured their insuance policy.

Ski Leases: Looking at the short term rental policies it does not cover leases longer than 30 days, seeing as there is a market for this type of rental what are peoples experience with this for ~4 month terms, and has it worked for summer leases as well.?

I just asked a title rep in the area and she says they wont handle a close even as a transaction coordinator unless they write a policy for it which they cant do on a manufactured home on a rented lot.

So if I’m understanding what I’m reading on 1033’s - house has mortgage of $350k and insurance policy is for $750k- leaving proceeds of $400k.  

Also how about your STR guest policies?

I even get insurance on dilapidated properties that I'm renovating.I get an actual-cash-value policy and they are only offering replacement cost.  

Depends on your long term goals, risk tolerance, experience and market. 

I have a written office policy manual that explicitly permits my employees and sales agents to carry at their discretion.

The fact that they contacted you cold even though, I assume, you have ZERO interest in selling your rental pretty well sums up most of the marketing done by wannabe wholesalers.