About 10 years ago, my home insurer spent over 80k for a water leakage due to a broken pipe behind the refrigerator, more than 50% was on a mold treatment.

They had severe mold problems from leakage.

Here are quotes for what each is offering:AllState: $1,246.98 for 12 months, my rep with them said they offer 35% off landlord insurance (if bundling home and auto with them, which I plan on doing) so that sounds like it would be nice for when I turn the property into a rentalIscential Insurance Agency: $1,672 for 12 months, speaking with the agent who is an insurance brokerWith all quotes, I am making sure to get an RCV policy, Water Back Up and Sump Discharge or Overflow $20K Coverage and full dwelling coverage on Limited Hidden Water or Steam Seepage or Leakage (recommended this by my realtor in case of flooding).My questions are, what policies should I be looking for to best fit my investment plans long term?

There was a water leakage, I believe started from his balcony, traveling through the concrete floors and walls into my garage.

I found the DC energy certificate template she was referring to but I do not know how to complete all the information they request such as air leakage test results, fenestration rating, insultation rating, etc.

There will be some leakage.

Their prices were competitive on the attic spray foam, but they also include spray foam in all the "PROBLEM" areas of a house that are prone to air leakage and heat loss like behind outlets and switches, bathtubs, fireplaces, floor bands ect.  

In the long run replacing them might be cheaper in the long run when you consider efficiency of the windows (air leakage).

Doesn't seem to be leakage, more like recurrent blockage due to corrosion and the old cast iron piping.  

Our contractor also got this in writing from the gas company that there was no trace of gas leakage or anything.This neighbor also has caused similar issues for the other adjacent house to his and a couple of other houses in the neighborhood.Anyway, I wonder what you guys would do in a similar situation?