Calculate the cost to replace your furnishings for personal property coverage.

Creating lists that no one else has.I've been helping professionals monitoring probate and pre-foreclosure leads in real time streaming the leads to their CRM to pulling parcel data directly from county appraiser database at scale.At some point you will realize that these "national coverage" companies just won't have the fine-grained information you need to help you succeed in your counties.

@Jason Bott I am wanting to shop my coverage for a current rental in the quad cities area also if you have recommendations

To me it makes more sense to set up the right entity and then just get the right STR coverage.

Choose your top ~3 inspection companies, contact info, etc. and then when you're ready to start due diligence on a property, start with your top choice and then utilize your backups if needed for availability, coverage area, or whatever other reason.

The company I had just got sold and the new coverage is not ideal. 

A DSCR loan (Debt Service Coverage Ratio) type loan would look at the rental income and expenses and determine the amount it could lend based on that.

Basically I have a supplemental permit that says SB9 2-unit development, the old house is unit 1 and the ADU is now unit 2.

It provides coverage for the existing structure and for the renovations, as they are incorporated. 

The deal cash flows at about $1000 a month BUT the insurance company will only do property replacement coverage NOT liability.