If you would rebuild and/or plan on filing small claims, you might think about a lower deductible like $1,000 and a higher dwelling limit to be safe or add an endorsement Travelers offers called "Extended Replacement Cost," which adds an additional 25% to the dwelling limit in the event this something like this happens.

Snow plowing services are in high demand all across the country right now, ok minus FL and CA maybe.If you're a contractor with some pickup trucks it may be very tempting to offer that, as you may not be able to do your regular work on snow days anyway.However many GL policies may have a "Snow plowing operations exclusion" or a "Classification limitation Endorsement" meaning only the classes of work specified in the declarations are covered.So if you're a Contractor wanting to or actually offering Snow plowing services give your agent a call and see if your policy includes snow plowing operations or if it can be added.And if you're a property owner hiring your favorite Contractor to plow your property don't just rely on a certificate of insurance ask for it to specify snow plowing operations or review their actual policy to verify snow plowing isn't excluded.

A policy with a higher premium may be a better deal if it does not have a wind deductible.There are many endorsements that are available on the homeowners policy.

If you go with a Direct Endorsed Bank/lender then you will have a better shot due to "No overlays"Your numbers look pretty good but it still needs a few more numbers to calculate. 

When I looked a the requirements for endorsement I noticed that you must have two (2) years' experience as a licensed salesperson along with taking pre-requisite course work and passing the Broker exam.With regards to the two (2) years as a licensed salesperson, can this apply to any previous sales experience (not in real estate) or do you have to hold an actual DC sales license for 2 years?

This is not an endorsement for them, just a site I found photos to post as an example.** There are many other sites and services that do this.

Also, the rental use needs to be addressed to make sure the policy does not prohibit it or need to be endorsed.  

(I can't endorse this company since I haven't used them)If you have any more questions shoot me a PM.

For the latter, both owner and lender's title insurance with the appropriate endorsements is crucial.

I would be sure to get coverage with an ALTA 34 endorsement.