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.  

Although I can pull permits, I can’t actually do any work without being licensed as a contractor, with insurance coverage.

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 information shall be supplemented within a reasonabletime upon changing the designated Local Contact.

Supplemental information is that I have a child from a prior marriage that lives here in town with their mother and I do not want to relocate away from them for at least a few years as they grow up. 

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?