They can possibly get water back up on their own policy as well, but this would just be for the personal property rather than fixing damage to the home.Personal Property coverage is normally 70% of dwelling if you feel like this is overkill, potentially you can ask for an override to lower the coverage.

I wonder if there are any insurance companies that offer oil tank policies?

If these folks haven't been seen smoking on the premises (which is a stretch of a policy, in my opinion, to include the exterior), why jump to the conclusion that they do so inside as well?

The 3115 is "Application for Change in Accounting Method" and the accounting method he would be changing is to go from a policy of not deducting depreciation to a policy of deducting it.  

I admit that being in my neck of the woods sometimes makes me scratch my head at some of the West Coast policies.

If she doesn't remove the dog then file for "cause" failure to control her animal, you have the reports.Honestly your rental business is in my opinion in a kind of jeopardy, if this dog attacks another person on your property and you have not taken steps to remove it or notified tenant to have it removed I would guess who is the injured going to also sue.. guess who...you... at a minimum the tenants should have a insurance policy on their dog and you should have record of that along with vaccinations.Security deposit is refunded within the guidelines your state requires, once tenant is gone. 

I was in your shoes recently and always knew I was aiming for a KW office.

The auction company will tell you that the property comes with clear title and that they have a title insurance policy, I was told that is really to protect them, not you.

Maybe an umbrella policy would be all you need or maybe I trust is a better option.

You could always aim to get an FHA loan later on as there is no connection between VA loans and FHA loans.