My primary residence is covered under our homeowners policy but we opted for the extra coverage through Dominion (or whatever they are now) for the upgraded sidewalk and landscaping replacement coverage should we ever have to dig. 

The problem is that my policy wasn't in effect the day the problem was discovered (definitely my fault on not having an insurance early enough!).

Meanwhile i also have no clue how soon the state/city government will turn around their policies to handle the financial and crime problems.

What are your thoughts about lobbying against "unfair" town code/zoning rules and changing these policies?

Does the homes through the federal agencies have a policy against removing home owners insurance with a promissory note?

It's also most likely not insurable if any insurance company actually chooses to look at it prior to issuing a policy. 

Also the insurance policy does not cover unoccupied houses. 

You should provide a Lenders Title Insurance policy, a note secured by a recorded mortgage or deed of trust, and add them as Lenders on your property insurance policy. 

My personal rule of thumb -If Personal wealth + investment wealth < $1M then $2M umbrella policyIf Personal wealth + investment wealth > $1M then $2M umbrella policy and LLCBest,Terrell

That's what is supposed to happen as our policies and buying practices from China should tighten as all the big guys already took advantage...what does that mean?