Of course not, but required items such as electric, water, gas, and plumbing all need to be in working order.

(normally recommended, especially if you are a landlord)- Water Backup: For water damage due to the backup of Sewers or Drains.- Personal Articles: Coverage for belongings that have a special or collectors valuesuch as Jewelry, Furs, Fine Arts, Collectibles, etc...Your age should not be a factor on the pricing but, depending on the company these other factors may get you credits:- Insurance Score (company pulls certain info out of your credit report).

The pool table collapsed on my husband (that's what happens when you try to move a slate pool table across the room and aren't trained to do so).7. 

1) are you paying down more than $400, if so you are making money, but if you put down a large downpayment you’re not getting a good return m2) do an amortization table at 30 years.

The licensed plumbers do not get permits for water heaters, I have never heard of one being red tagged solely for not having a permit so I do not get permits (and know no one that does) for swapping a water heater.  

Don't forget to change all your faucet aerators and shower heads to low flow it makes a huge difference as well as far as water usage and saving HOT water. 

Quote from @James Jefferson: Hi, I have a family member that had a reverse mortgage on their property it's a 3b 1b 1 acre of land heats by oil no hvac and on well water.

All water, sewer, and electrical infrastructure is being replaced.

The unobstructed water views for both front STR units can be challenging to determine additional value compared to other 3-unit properties without views.

Your PM replaced the water heater because it was leaking.