They may have posts about where to get coverage.You should check to see if your policy excludes coverage for the breed or if they will just cancel the policy if a tenant has one.  

I know these worlds pretty well and I beleive that I can help others with coverage/policy/estimating questions.

Typically, the same applies to LLCs where you and your spouse are sole members.Actual Lenders Title Insurance states;CONTINUATION OF INSURANCEThe coverage of this policy shall continue in force as of Date of Policy in favor of an Insured after acquisition of the Title by an Insured or after conveyance by an Insured, but only so long as the Insured retains an estate or interest in the Land, or holds an obligation secured by a purchase money Mortgage given by a purchaser from the Insured, or only so long as the Insured shall have liability by reason of warranties in any transfer or conveyance of the Title.

Would we not all supplement our good tenants rent by $200/month.If a landlord is operating a business in which costs rise annually why would they consider lowering their tenants rent when the market does not warrant it.

Plus hold money for property taxes plus the dreaded supplemental tax bill that will inevitably show up.

@Ray HarrellCould physical damages be covered through the “liability” portion of their coverage?

In these parts we cannot include a survey exception for lenders coverage even if a survey was not undertaken (and access is a covered risk).

That being said, there are reasons you may want to hire an adjuster such as, not being able to meet with the insurance company adjusters, not being familiar with the coverage, not being familiar with the reconstruction process.On the claim process in general, gather what documentation you can on the items damaged or the parts of the house damaged.  

As for market rents, unlike many landlords I do not believe a well run business supplements tenants rent.

I've been reading insurance is the main issue with having a unit like this, as they can void all coverage.