Running afoul of relevant laws can be expensive.

All of this to say, unless the agent has a proven track record for renting similar places or a network of potential customers (read: international companies regularly relocating workers), I wouldn't bother with them.

Make some more calls - call an agent or two on the other side of your state, who may see you as bonus business, not a local customer to try and steer into a full replacement policy, unless, you really want to build a new home right where your rental is on the very outside chance there's a total loss. 

I guess my long term plan is relevant in this discussion.

i have been using an excel spreadsheet i custom built for what we need)

(Related: We all know interest rates will rise sooner or later, but exactly when is anyone's guess)So the only thing you can really do is choose based on your customers' preferences today, since "money today is worth more than money tomorrow" anyway.

They wanted it under our names only and they would only do it with existing customers.

You can customize this form to show you what you want to see.

Find out the relevant codes that would apply.Then, you need to look at those applicable codes.  

Until I realized I need to utilize my creativity, ingenuity, number crunching forte, ability to sell and impeccable customer service skills.