You should be able to find coverage for less than $50/month providing you are a non-tobacco user.

Not because this dispute would have been covered, but for coverage if a third party, say another property owner in the s/d, brought suit to set the sale aside.

Insurance companies make ridiculous profits off denying us coverage.  

I know in WA state for plumbing and electric you have to have x# of hours as apprentice & pass a comprehensive knowledge test. 

You will need to change your insurance coverage as it is probably currently set up as a homeowner's policy.

If AHS is unable to diagnose whether a Covered Item malfunction exists due to an existing code violation, this code violation coverage shall not apply, and you are responsible for correcting the existing code violation in order to allow AHS to conduct such diagnosis."

> Property insurance and protection - important coverage and $ limits.

This is true even when one of the investors rent the place as a tenant.You'll also need an experienced insurance agent to help make sure you have proper coverage. 

Is the coverage identical in both, including square foot replacement costs?

She is fantastic at finding all of the coverages like undiscovered water damage, etc.