Insurance will depend on the type of property, value/price, and certain aspects of it (fireplace, brick vs siding, etc.). 

I have a different insurance company handling each state. 

In order for me to transfer the lease to my name I have to build a 300 sq ft structure on the property so that she is not transferring undeveloped land to me (a policy to make sure people live and build on the land and not just sell after receiving it).

Does anyone have experience with Business Interruption Insurance? 

It is drivable 365, decent weather, tons of newer stock, low taxes, low insurance, very pro business, entertaining etc. 

Hopefully the National Association of Realtors make a good lobby against this new tax policy, because if the bill does make it through, it may (in my opinion) shatter the American dream.

OURS is the lender.THEIRS includes the additional third party charges from others required to close this transaction... title company for sure (closing + lenders title insurance) and it's possible that outside attorneys are preparing your loan docs.

Next to it you can find the taxes, insurance, and any HOA fees. 

So they can't insure until April 2019.

However, you have to include taxes, insurance, CapEx, repairs, etc.