Is it worth getting the endorsement for service line coverage on the dwelling insurance (e.g. for water supply, gas supply, sewer) in the Twin Cities metro area? 

Insurance costs will be different as well since insurance companies assess STR coverage differently from standard rental properties.While STRs can certainly generate more income if done correctly, they also come with significantly increased costs that must be taken into account when determining if a property would make a good STR.

It does not replace the underlying coverage (in this case the Liability on the premises) rather it supplements it.

My area of coverage is approximately 75 mile radius of Spokane Washington. 

I was in contract to buy a home but found out that it had mold during the inspection process. My real estate agent knew we had issues with buying a home with mold and we talked about it at least 2 times specifically a...

A Measure of risk in called "Debt Coverage Ratio".

Blase.on additional factor to consider, does the brokerage charge to be incuded in their professional liability policy or do you have to purchase your own coverage. 

They can bid out your insurance with all of the carriers they represent and find the best option to find the balance which fits your needs of price+coverage.

Commercial financing is going to be at least a point or two higher than the prevailing rate for homeowners, and will be much more focused on the debt service coverage ratio (DSCR), which in your analysis is around 1.0.

In most cases, vandalism can be claimed on home insurance policies, which offer coverage for property damage caused by malicious acts.