Specifically, key items will be pre-empted to the state level and new ordinances limiting rentals cannot be approved unless they were in place prior to 2014.

I can't really speak to the insurance, but I'm sure an umbrella policy will cover most items.

With these items, we may be better to help, also like someone else said a house hack at 95% LTV might be tough depending on rents/PP. 

Some items of info that will help the agent quoting:1.

do you have quotes for those items? 

As segregation takes items into account like appliances, roof, building material etc.. would it be okay to estimate below: >> 500k property value (150 land+350 built), can provide around 80K in max deduction on year 1 ?

It allows investors to buy shares of high-value assets like real estate or luxury items without full ownership.Advantages of fractional ownership:Diversification: Spread your risk by owning fractions of various assets.Accessibility: High-value assets become accessible to more investors.Passive Income: Earn without actively managing the asset.Professional Management: Management companies handle maintenance and administration.Appreciation Potential: Assets can increase in value over time.

An entire shelf fell off of my wall breaking a few of my antique items, that were not heavy.

It would be a temporary loan until you fix the items, then you could refinance into your regular loan. 

If a lot of work is needed, itemized costs will add up fast, and depending on how well-versed/skilled your GC is, your deal could be killed if something is missed.