Your policy coverage will be the only thing dictating if you will get $ for a complete replacement or an Actual Cash Value payment.  

As a new agent you will want to make sure they have tools and training to get you familiar with their systems and policies.

@Derek LuttrellLOL, Yup you have it right, he has less than zero say.

Maybe bills, maybe policy to remove, maybe issue with house.

@Miguel Ochoa Borrow somewhere between the most you can get, and the least you can get by with.Where  you fit in that range depends on your overall financial situation and your risk tolerance. 

Zero money down is interesting - will you be living in one of the units?

had it been legit, the Landlord could have been liable for Medical bills and Lost Earnings that a Workers Comp. policy would have covered. 

If something were to happen on my property like college parties, is that normally protected under a good insurance policy?

People try to make this super complicated but I have discovered the follow:Benefits:Almost zero money down to get into property.

You can probably get your food expenses down close to zero.