So, while the dwelling coverage in a landlord insurance policy may help with the repair bills if a tenant inadvertently damages the unit while moving furniture, the costs of cleanup if you discover a disgruntled tenant spray-painted the walls may not be covered.”Do you know of a carrier that does cover he above?

They own the property with Habitat for Humanity.

A lot of ares zoned SFR are aloud 1 unit per lot BUT you can find some areas allows an ADU (Additional dwelling unit).

It shows you are a good human being.  

The insurance company is concerned as to whether or not the building is owner occupied (homeowners policy) or completely rented (Dwelling/Fire). 

Did you do everything humanly possible to get the HVAC system dealt with as quickly as possible?

The realtor is telling you they are working in your best interest, but the reality is they also have their own interests in mind too - that's just human nature, common sense and frankly to be expected.

I say this after earning a BS "bull ****" degree, and an MS "more ****" degree in Human Resources, AND an MBA...can't think of one for this one.

The concepts of home and hearth form a deep, integral part of human psychology.

If he would of approached me like a human being, I would of gladly answered him those questions.