@Penny Clark, I'm actually not a mail carrier as @Tim Soto suggested, but still good advice.

I work for an independent insurance group where I represent multiple carriers, I am more than happy to help!

Adriel,On 1-4 family structures, most insurance carriers have a Replacement Cost Calculating program that they use to figure what they believe is the Replacement Value they need it insured for.  

Working with an Independent Agent who has access to multiple carriers is a great option for "shopping" your insurance rates.  

I contacted a few carriers but they will not extend coverage to management services controlling their owned properties.

To my understanding (having had some conversations with underwriters from several different companies)  there is nothing different between the coverage offered by Proper, Foremost, CBIZ, Allstate, Progressive, Travelers, American National, Liberty Mutual, Pure, or any of the other insurance carriers.... in fact the underwriters, E-suite, and actuaries from all of the companies hop between one another every few years.

@Sue Chen Many carriers will provide coverage an LLC owned investment property if the LLC is used only for real estate and owned by family only. 

-my insurance carrier has shared the requirement with the insurance commissioner and he stated that it was not an issue.

Their insight in their local market, local lenders, landlord insurance carriers, and of course contractors.

@Eric Kline the zoning isn't the deciding factor for the insurance carrier for a mix use building.