I want to give it a little more time but still very much in the market for an above garage or accessory dwelling unit set up.

You should look for a commercial-style policy that just covers the dwelling and appliances.

See if you can go directly to the DCA in trenton and pick it up over the counter.Seth in New Jersey a green card, sort of like statewide certificate of occupancy for multi family dwellings three units and up as well as hotels, is needed when obtaining permanent financing.

APR and margin apply to owner-occupied dwellings only."

Whomever you end up selecting I would recommend that they also have a dwelling/fire policy that is competitively priced so you can rent the house and stay with your same insurance company, just switch policy types (it's a lot easier).

His deceased father owned 9 houses, his grandmother owns 5 of them of which one he lives in and 2 others that she wants to work a deal with him because no one has occupied the dwelling and the taxes are behind to the point where all the money is due at one time.

There are lots of deals on existing dwellings in the area and you will get a better rental return.

Plus, a disgruntled or non-caring customer could do too much damage if they really wanted to...and unlike a home/dwelling rental all I would have gotten from them is a few measly bucks.  

in your example, the dwelling coverage would be closer to the 185K that you paid for the property, instead of the 520K that they calculated it would take to rebuild. 

1.Vacant Dwelling Policy $4240 for the year.