It gets VERY cheap to add each additional $1 Million in coverage after the first 3.

Under the previous zoning coverage, both architects told him that he could put up a building with a cellar and four floors above to end up with approximately 10,000 SF.

Then call your insurance company and get a blanket liability policy with whatever coverage makes you comfortable - 1 to 2 million is fairly common, but you may want to step it up to 5 or 10 million depending on your comfort level and the premiums.

So now you need to find Mass General Law 111 subsection 194, which is titled "Detection of sources of lead poisoning; inspection; search warrant; notice; examination of children; reports; records".Section 194 states, in part: "The director shall, subject to appropriation, establish a comprehensive program for detection of sources of lead poisoning.

Affordable 1m coverage specifically for vacation props. look it up or call a top broker in town 

I'll soon need coverage of all 50 states, but I'm immediately seeking partners in:MichiganOhioGeorgiaPennsylvaniaNew JerseyVirginiaMissouriCaliFloridaTexasLooking for folks that are easy to work with, can be the lending expert in a newer agent's corner, with competitive rates, that service all residential loan options including conventional (owner occupied or rental property), FHA, VA. 

Very comprehensive background questions.  

Lloyds has left the State, canceling and not renewing coverage due to fire danger.

I am looking for a policy that will offer loss of rent coverage, cover the value of the home, cover some of the personal property, flood insurance, etc.

Also, many bylaws specify what coverage must be purchased and often include a general guideance for the amount (ie. the full replacement cost of the structures, etc.).