@Mike Cooper Zillow, hotpads, trulia will get you 90%+ (probably 97%+) coverage of interested people for San Jose.

You could also shop the coverage to see if there are savings in a different company.  

I always got a DP3 policy with $500K in liability coverage on my SF rentals.If grandpa is living in your place, his personal items are not covered.

I will raise steady income with an engineering salary and supplement that income with REI until it’s at the point where it’s more like my salary is supplementing my REI income. 

According to my friend, the US media is giving almost no coverage, and very watered-down coverage, to the situation there.If the natives are leaving because of unrest, pretty certain you don't want to be investing there right now.  

Hey Frank, The 40-year interest-only (IO) option serves those seeking increased cash flow or aiming to qualify a property for a debt service coverage ratio (DSCR) if the principal and interest payment isn't viable.

Most policies have limited coverage for contractor mishaps.3.

DSCR (Debt Service Coverage Ratio).

. $3kyr to get near half a million in coverage seems a rather fair number to me.   

Property is in Upstate NY Is this replacement cost coverage with special form?