How much is the replacement of the furniture measured against the deductible measured against potential increase in insurance, measured against possible increase in rent etc...don’t be afraid to make an insurance claim if it makes sense as it shouldn’t result in much delay in a case like this from the sounds of it.  

I’ve been reading a lot about rolling up closing costs, as well as costs of new furniture into my mortgage.

Then you might have a wharehouse where the bank stores records, furniture, whatever.

All utilities, kitchenwares, furniture, etc are included in rent.

Part of me thinks of all I’d have to put into my home now - commercial insurance, some furniture, a RO system (I’m on well and it’s fine for me but I’d want to put that in for seasonal renters) and that makes me think 💭 nahhhh but in the LONG term that’s probably nothing?!?!

But if you make the "de minimis election" on your tax return, it can include expenses that are under $2500 per item for things like furniture, appliances, small repairs, linens, supplies, etc.

Has furniture, beds, etc.  1)  Should I value those items?

Contents Coverage:  If you are renting the units with Appliances, Furniture, etc. 

We stage our properties so it's not really an added furniture expense to do airbnb. 

You should avoid things like cars, technology, furniture, etc. which are easily valued.