Most commercial polices base the coverage on the "Replacement Cost". 

I have a renters policy through USAA with coverage for accidents. 

:)  Here is the silver lining: assuming your rent covers your holding cost, that nullifies the holding cost over the 6 month period while you are seasoning the property for a refinance, thus, you are still only into the property for 70% of ARV, and you in theory would get every last dollar back.OK, that's theory, but as a primary buy and hold investor and only occasional flipper, I would say, the 70% rule is only for flips, and the key metrics to look at for buy and hold is: Cap Rate and Debt Coverage Ratio, then subsequently cash on cash return on investment, IRR etc... 

I am wondering what is the minimum insurance coverage required in the state of GA?

Service line coverage insuranceDoes anyone have experience with NatGen, in particular these three options?  

In rare cases, you might be over insured and the lowing of the coverage would be justified. 

I am interested in coverage in case the roof or HVAC system goes out in the first 1-2 years of ownership since it is near the top of my price range. 

Their usual coverage is lawn to street, most don't even paint your house how much more repair your foundation.

Rental - Commercial banks look for 1.2 debt coverage ratio.

Tell them it's a blanket loan and your borrower needs a title search on each property $$$$.I'm not saying don't seek qualified legal advice, just saying this is pretty slam dunk stuff at a title company and they can give you title coverage on your loan. :)