I know the DP (dwelling protection) insurance policies are standard landlord insurance but my agent tells me I can also get a Businessowner policy to cover the property (mostly concerned with fire, wind, standard perils). 

I am seeing that people have one large policy that can cover a portfolio and simplify things, would be great to find a broker or company with experience that could set something like that up.

It boils down to risk tolerance and your asset protection plan.

@Christopher Winkler  @Andy Mirza    Over the years or should I say decades this is a constant.but what I do because all of mine are firsts and non are owner occ.and I don't like to hassle the stuff I just make a record of it and when the payoff comes in I add all those charges to the final payoff demand.. as long as they don't get too far out of tolerance and I have to foreclose. 

@Greg Davis How Our Machine Works is by Utilixing Our existing Credit Facilities You can participate On Our Platform to retain the equity: W-ZERO FEES

I had insurance policy that covered the loss of rent and the HOA cut us a check to renovate it ourselves.

Here is the policy number....

Even if you have to pay out of pocket some to get the equity up you have a great opportunity with the next VA loan to maximize the zero down.

I have zero debt, and my credit score is 760+.

It sound like your current broker is ZERO HELP.