You could house hack and use the other portion to AirBnb as then you meet the primary residence requirement in B.C.

We are leaning more toward Johnson City just due to location, size, and economy/industries that are there.

What are some companies that others are using to insure multi-families of this size?

Very commonly the resident pays a portion of the rent so your rent increase will affect their budget and their lives. 

If so, as @Brandon Weis mentioned, they come in all "shapes & sizes".You'll get more assistance if you post an example here and ask more specific questions about it:)

If they're paying for overages, they'll reasonably expect a refund for any unused portion of the utility allowance.

Some places do this annually, some places do a portion of the town every year giving them a total cycle of about every 4 years, and in my area it’s common to do a whole town reevaluation every 4-5 years.

But if your budget is tight or your home only needs minor updates, your real estate agent can help you think outside of the box by suggesting simple DIY staging tips to help your home look its best.Bottom LineStaging your house properly can make it much more attractive to buyers, but it’s not a one-size-fits-all solution, and every home shines differently.

In other words, there's no one size fits all occupancy target for MTRs.

This is largely due to the fixed nature of ongoing maintenance costs, which become proportionally more impactful as the park size decreases, thereby inflating the expense ratio.