Think about converting basements, garages, attics, or accessory dwelling units (ADUs) into separate living spaces.

They are appraising my duplex as two separate single family dwellings. 

That will most likely be started on a vacant dwelling policy and then switched to a     Renovation builders risk when they are ready to start3.

Is there a rough and dirty rule for sharing wells and using a common septic for multiple dwellings to ease up on costs and make things for efficient?

Gina,The most form used to insure 1-4 family rental properties is a "Dwelling Fire" policy.  

Hi allI need to shop around for Dwelling Policy for my rental.

If by non-computer pull the filesStep 5: Record & Build Probate Mailing Listo The estate of, the date of, place where last dwelled (that is the subject property).

We need to dwell into the particular circumstances surrounding the investment to determine whether the behavior of the "advisor" was ethical or unethical, competent or incompetent, legal or illegal.so we need to ascertain(1) the risk of the investment.  9 out of 10 venture capital investments fail.  

You may want to switch to a vacant dwelling policy if it will be unoccupied longer than the limit (ie. 30 days, 60 days, ...)The other advise I would give is see what other uses the house is zoned for.  

If so, that will be insured normally under a Dwelling Fire policy.