I didn't know how to reply and I pressed quote on Ron Biggs quote.

Sounds like you might have had a crappy broker/agent.Ultimately YOU pressed your hand to the contract and signed the paperwork.

If either party presses for a reason, you can flat out tell them your standards are no pets, and only 2 guests per person - to dissuade them from asking any other questions.

More pressing than a potential toppling is your sewer line. 

What I mean is, I go to the tiebreakers listed on my 'general qualifications sheet' and briefly peruse all the apps I received at the same time, looking for move-in timeframe, (they may not want to move for 2 months), term they want, #of people (are they pressing occupancy limits), if they smoke, if they have pets, does their income pencil out, special requests (did they ask to paint or do things to the place?).  

You will be better served to re establish your personal credit.In order to start rebuilding credit, the most pressing time-sensitive matter is to establish long-term open lines with good payment history as soon as possible.Open a secured credit card with a limit of 4x of a regularly recurring bill - cell phone, water bill, etc.

I recently moved from 800 North Capitol, which is a historic rehab of the old Litho Press building by TWG Development.

Okay, I owned the Mortgage Company, I also had rentals, which was more pressing?

3) Should I just press to have a renter's policy instead, with the full year coverage? 

Normally once they have a good experiience they'll open up much larger amounts and will be pressing you for more opportunities!