Not all PHAs have an appeal system to work on this issue, as its not an issue in all areas (for instance, more rural PHAs tend to have a much more homogeneous rents across their coverage area), but it could be an option in your area.

If an insurance company can use one of their exclusions to not provide you coverage, they will.

A few facts to help you fully understand the situation: I live in the basement of the building (the 5th unit).The basement and the one other unit were damaged very badlyThe other 3 units are ok for the most partAll the meters were pulledI do not have replacement cost insuranceI have full coverage up to 310K (my estimated value of property) loss of rent is not on my insuranceQuestions-My tenants cannot currently live in the building.

Does the owners insurance offer any coverage for this???

And if so what is a good coverage amount?

This gives us far better coverage then if we, like others, showed agent information.

Secure insurance coverage in the name of the LLC.  

He also said there is not an insurance company in the state of CA who will give me the same type of coverage I have now that will allow aggressive breeds.

That's why I am considering changing to CBIZ to have a better coverage for liabilities as well as loss of income.

My goal like many others is to have the best tax benefits and liability coverage and I never take 1 person opinion and run with it, I always get feedback from multiple people before making a final decision.