For me it wasn't very expensive to add a $1MM liability policy for my LLC on top of my dwelling overages. 

I think she lives with him, but not as a primary dwelling.

I copied the section in here that states every dwelling unit counts in each property.

I am explaining all of this to you directly and you're still under the impression that I'm some poor kid that doesn't have any income or work... and I'm explicitly telling you I have 4 streams of income.

I’ve used to purchase a fire dwelling insurance for one of my rental properties in Baltimore City and both service and price were great.

When I looked up the zoning, it's zoned R1-6: single-family residential 5.3 dwellings per acre.How does this impact my desire to eventually rent out all 3 units like a 3plex and claim this as income?

We both have full time jobs but want to establish a revenue stream so we can retire early.

I got a permit for it (an Accessory Dwelling Unit, required in Bellevue, WA) and I live in that unit (when I am in town). 

I own a duplex in Oklahoma and I have a rental dwelling policy to cover that property. 

I'm not sure you are correct that the Certificate of Occupancy is classified as "Miscellaneous Two Family (B9)".See Snapshot here:Note on the DOB website, one of my properties is classified as "B3-2 Family Dwelling."