If your property has any special aspects, you may find that the recommendations are not addressing it or indicating you should remove a needed coverager.If this is a 1-4 family rental dwelling (completely non-owner occupied) the likely policy is a Dwelling Fire Policy.  

He kept avoiding our requests and said we should claim it in our 2023 taxes instead… The last straw for us was when he tried to charge us another $7.5k to file our taxes which obviously ended our relationship instantly.

Real estate has historically been a long term play.this idea that someone who otherwise never cared about real estate, can simply dial up a realtor and buy instant 4 digit monthly cashlfow is something born out of YouTube.

Think it also applies to multi family dwellings now might be worth a few thousand in Property tax reduction plus tenants like the Fruit trees. 

Vacation rental dwellings require furniture and furnishings but also completely functional homes.

When it comes to NJ something to be aware of is the new 'lead based paint in residential dwellings' legislation. 

Currently, I live in house with a adu (accessory dwelling unit).

If I bump the bedroom up to 6 it instantly goes to 200k.

If your company is in the majority, you will have to change it to a Dwelling fire policy (aka Landlord policy with some companies). 

The house is in the same TMK with our primary house but two seperate dwellings and structures.