The insurance company will send you copy of the tenant declaration page proving coverage, and they will notify you if the tenant ever cancels the policy or allows it to lapse.HOW TO SHARE UTILITIES 101You have a property with two or more units and the utility meters are shared.

Long term $ can range from 6's-10% range depending on all types of factors - LTV, location, unit count, debt coverage, borrower strength, full doc or lite doc programs, etc..

However, full title insurance coverage is typically issued upon the final sale and recording of the deed."

@Chungying ChuIf you want more liability coverage, ask your insurance company if you can increase it.

I usually require my tenants to carry renter’s insurance with at least $100,000 in liability coverage.

You protect your assets by buying a landlord insurance policy, which comes with dwelling plus liability coverage. 

Make sure to communicate your BRRRR strategy with your insurance agent so they can recommend the right coverage for each phase.I learned this lesson the hard way: https://www.biggerpockets.com/forums/853/topics/1222933-my-b...

They also have blanket insurance coverage which is much lower then policies in Philadelphia.

If you have insurance, generally, there is mold remediation coverage. 

DSCR (Debt Service Coverage Ratio) loans generally focus on the property's ability to generate enough rental income to cover the debt payment.