Some insurance carriers will have different policies that do not cover contents since the contents are mostly the renters, speak with your insurance agent about coverage options.There are 15% down DSCR financing options.

I see it as a valuable learning tool and resource to jump start my real este investing carrier.

I think it is time to contact your liability insurance carrier.

You need to shop carriers, this is a non issue.

I'd send an email to my agent notifying him of the change in risk and keep that email as evidence that I notified the carrier in the event of a claim.  

Insurance brokers still give bulk discounts, even if the one client has policies with multiple carriers. 

Meaning that the insurance carrier is required to pay you the limit stated on your policy, no matter what you have invested into the policy.So if you bought for $100k, invested $50k,  insured for $200k, then had a total loss, the insurance carrier would need to pay you $200k.Your statement is correct in states that are not "Policy Value" states. 

For the not-so-big-one like you say, I'm guessing most of the damage will be on me, not the carrier.

On standard for 401, there is a section instructing the owner to carry general liability insurance in the amount of $XXX,XXX, but it does instruct them to consult their insurance carrier. 

@Tony Reynolds first of all @Brandon Carriere is right about Zestimates - so ignore that.