You'll have to know what's allowed in your zone and what the restrictions are.You may not be able to put a second dwelling on your lot or the lot may not be conducive to a new structure (e.g. need certain setbacks from the property line).Finally, is it worth it?

Overall, also bear in mind that the fundamental purpose of property insurance is to bring the dwelling back to the state it was in prior to the loss, or to "make you whole." 

Finally, there's a strong ethos for living in SFH in my area and a negative connotation with apartment dwelling. 

v=qHpc80xVNFk Dave Meyer in podcast rents out "accessory dwellings" which sounds much easier then legit duplex conversion.

My job doesn't have the best work/life balance and it's something we're hoping to change using the power of real estate.My wonderful partner and I want to focus primarily on multi-family dwelling rentals using a buy and hold strategy. 

You will want a landlord dwelling fire policy and an umbrella policy to increase your liability!

I know the DP (dwelling protection) insurance policies are standard landlord insurance but my agent tells me I can also get a Businessowner policy to cover the property (mostly concerned with fire, wind, standard perils). 

@Adam PetrieIf they are 2 single family dwellings on the same lot you likely need to seperate the lot with having both houses fronting on a public street.

When you buy your regular landlord's policy for your 4-plex it will come with dwelling coverage, which give you protection in case of fire or other property damage, as well as "Premises Liability".

In other words, you can configure your network with bandwidth limits for each device and block individual abusers easily with security and isolation settings. https://www.openmesh.com/solutions/multi-dwelling-unitBuy the way, this system can also give your tenants pay per use using PayPal.Very easy to manage and setup.Also, keep in mind that WiFi interference is still an issue for example, Microwaves will put any Wi-Fi down...Alex