https://www.mass.gov/info-details/accessory-dwelling-units-a...

We bought a home built in 1900, insurance water damage coverage is 10% of the dwelling limit. 

The coverage limits are as follows:$200k -> Dwelling Premises Liability -> $300,000 per occurrence Medical Payments $500 per person / $25,000 per occurrence Additional Living Costs And Fair Rental Value -> $19,000 Loss Assessment Coverage -> $1,000 Ordinance or Law -> $20,000 or 10% Water Damage Limitation -> 10% ($20,000) Deductibles All Other Perils -> $2,500 Limited Theft Coverage -> $2,500 Water Damage Deductible -> $5,000

The part of the home you live in can be covered under an HO3 (homeowner’s) policy, but the rented unit needs to be covered by a landlord or dwelling policy like a DP1 or DP2.

Basically basement dwelling incels with their "command center" of recycled computers and monitors fixated on pornhub and what scammer they are supporting.

Converting SpacesConverting unused spaces like garages or basements into living areas, home offices, or rental units (such as an ADU – Accessory Dwelling Unit) can significantly boost the value of a property.11.

I was going through the rent control laws ( I know, should have done that before purchasing the property ), and a section stands out. https://ecode360.com/30526708#42037155Based on what I can read, the rent control chapter doesn't apply to: Dwellings of three and four units, at least one of which is occupied by one or more of the owners thereof.My understanding is that rent control doesn't apply to owner-occupied multi-units. 

In that part of Texas the wind deductible's are all moving to a percent of the dwelling coverage.

Quote from @Mitchell Gunlock: Quote from @Cliff Benner: Looking for Tips on how to find places that have multiple cabins or additional dwellings on a property that I could live on and run.

It has 3 units, an additional dwelling unit in the garden level, and 2 garage parking spaces (which I've come to realize are quite valuable where the property is).