Replacement of Water Heaters: No permit shall be required for replacement of water heaters in one- or two-family dwellings, provided: The energy use rate or thermal input is not greater than that of the water heater which is being replaced.

If your property has any special aspects, you may find that the recommendations are not addressing it or indicating you should remove a needed coverager.If this is a 1-4 family rental dwelling (completely non-owner occupied) the likely policy is a Dwelling Fire Policy.  

Think it also applies to multi family dwellings now might be worth a few thousand in Property tax reduction plus tenants like the Fruit trees. 

Vacation rental dwellings require furniture and furnishings but also completely functional homes.

Currently, I live in house with a adu (accessory dwelling unit).

When it comes to NJ something to be aware of is the new 'lead based paint in residential dwellings' legislation. 

If your company is in the majority, you will have to change it to a Dwelling fire policy (aka Landlord policy with some companies). 

The house is in the same TMK with our primary house but two seperate dwellings and structures.

@Nicholas Aiola, I have a question, here is the scenario:A portion of residence is rented out on permanent basis (single family dwelling but it has "in-law" suite).

been a bigger pockets viewer for just over a year now with past investments in flipping single family dwellings.